For those of us in an IVA it can appear a frugal time of the year, but, I feel, the release from the trap of the credit card and being unaffordably extravagent is a gift in itself. We learn to give more of ourselves: Time, company, a hand made gift or card are all more valuable than the latest nerf gun (less painful too!) or the in vogue smelly stuff.
Enjoy those around you and relax --- your doormat will not be covered in credit card statements this January !
I wish each and every one of you a great Christmas and a wonderful 2018, heading towards your goals.
MERRY CHRISTMAS !!
Who is onlineUsers browsing this forum: Ryan and 37 guests
Ask the IVA Experts a QuestionSimply complete form and you will get an answer from our IVA Experts (multiple replies within an hour *)
* Any use of this forum is conditional on you having read and agreed to our terms and conditions.
* If you enter your phone number, Vincent Bond and Co Ltd will give you a courtesy call to ensure that your question has been answered.
* The question will be posted on our forum, we will email you the location