Car ownership --- insurance was OK, as mentioned above. If you are on a PCP or lease agreement this can usually continue as long as, as Kallis mentioned, the car is modest. However, you will not usually be able to refinance, raise a balloon payment or renew at the end of the term, though a few have managed. Many of us nursed "ebay bangers" through the IVA and were granted payment breaks to help with repairs if needed.
In other things you learn to seek out bargains and to economise. It soon becomes a way of life. You also eke out the budget by collecting coupons, loyalty points and doing shopping surveys. And buy next years Christmas cards, wrapping and decorations now, while some stores are selling off stock.
Monthly payments on car and some public liability/negligence insurance I have? No prob.
You'll be fine - it's a way out of trouble not a way into penury.
All the best.
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