Is this real

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Johnno
Posts: 4
by Johnno » Fri Feb 08, 2019 3:38 pm
Afternoon Everyone,

So I made the last ever payment of to to my IVA last month... :shock:

I don't think it had really sunk in that I'd done it, after 6 years of making sure i knew where every last penny was going, until i received a text message this afternoon from Creditfix telling me my account has now been successfully closed and i should receive my documents through the post shortly.

What a journey it has been.

To those of you who are thinking about doing an IVA, 5 years is a LONG time!

However these simple things made it easier for me..

1) I made sure my family knew what i was doing, for at times when things get hard an you need someone to talk to they where there for me to vent.

2) Budget, Budget, Budget - Life is going to be hard unless you make sure you know every penny of what goes in and out of your account. I can't tell you the amount of hours I've spent at the start of each month with my calendar open working out when I'm going shopping how much fuel i can put in my car and what my budget was for things as simple as getting a haircut.

3) Shop Clever - Look around for the best places to shop especially food, i was lucky enough to have a Lidl on my door step that I've been using every Monday evening on the way home for work for the last 5 years. It's cheap but the food isn't that bad, in fact some of the main meals id even give to the dog ;-)

4) Think of the end game, when i came into my IVA i was a real mess, I'd been screwed over financially and if honest was close to doing something silly to make it all go away. However 5 years down the line it's over and done with and i can now start on re building my credit rating in one day hoping to buy a flat.

Oh... and use this forum - the times I've logged on here just to read through other peoples stories. Sometimes you need a reminder that you're not the only person going through this.

So this is me signing off.

J
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Foggy
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by Foggy » Fri Feb 08, 2019 4:03 pm
Well done, Johnno -- and congratulations :-)

Onward and Upward !
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MerlinL14
Posts: 1588
by MerlinL14 » Fri Feb 08, 2019 7:07 pm
A great positive post Johnno. Congratulations and good luck in your debt free future.
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abbiesmum2003
Posts: 777
by abbiesmum2003 » Fri Feb 08, 2019 7:10 pm
Can relate to your post so much!
Congratulationson your successfuliva! Creditfix were really speedy sending us our completion certificate so hopefully you wont wait too long!
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