I have been doing some research about entering an IVA but am unsure if it’s the best solution.
It really bothers me that my credit score will be effected for 6 years as I have a possibility of working together with someone this year which could help my financial situation. Also, I have been wanting to see my father in New Zealand next year.
Can you save money to go on holiday?
Once you have agreed to pay £160 p/m for example, do you pay that amount for 12 months?. What if you suddenly start earning more money, do you have to pay every extra bit of money to your debts?
Please could someone answer those questions as I need to make a decision very quickly.
On the holiday front, yes, you can save a little from your allowances and your halves of any overtime --- but I doubt it will cover a trip to N.Z.
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