So we are nearly there! You 'older' posters will remember us starting out back in 2013.
We are close to sorting out our equity release situation and by all
accounts could have it all wrapped up
in the next few months! Last payment due in the summer but have been informes that if equity release is completed and money transferred we dont make all 60 payments (might get that confirmed).
But we have nearly done it! 5 years!
5 years of watching the pennys and the pounds. 5 years of saving for things we want/need. 5 years of making donor getting second hand. 5 years of surviving without credit facilitys. 5 christmases, 15 childrens birthdays (3 kids!!!), endless family events, birthdays, special occasions to budget for. Not to mention school expences!
But we have done it! Weve paid in any PPI found. Weve lost a few ££££ of inheritance and weve had tomtell our kids 'no not today' on more than one occasion, but when when we do say yes its great!
Thank you for all you support and advice. This forum and its experts (professional amd layman) has been invaluble. I wouldnt have made it without you x
If you are just setting out make sure your budget is realsitic from the start. Put down an allowance for EVERYTHING!!! get it right from the start. Take time to get it right. Its a long journey but I am so proud of us for surviving it.
The kids have grown up knowing we cant have it all and have to save or buy second hand.
They find ways of entertaining themselves without needing to go out places or have fancy toys etc.
We enjoy simple things like the library, the country parks and other simple cheap ways to spend time together.
Its made them realise the value of money and how you have to watch the pennys and live within abudget.
Thank you for all your suport help and advice. This place has been a life saver.
Who is onlineUsers browsing this forum: No registered users and 67 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