paddington1 wrote:I thought it would be nice to share life experiences when on IVA. Has anyone gotten depression or has it gone the other way and been a positive experience?
I think all of us have gone through practically every emotion durimg the course of our IVA's. For my part, after the initial turmoil of applying and then being accepted, I found it to be almost liberating ---- not having to juggle the bills and the cards. I paid for everything in cash (and, I have to admit, felt smug doing so) and reconnected with the concept and appreciation of "real money". over 5 years on and I still owe no-one anything and manage to live reasonably as well as save. All in all, for me, it was a positive experience, even with the few big dips along the way.
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