sad

Get expert opinion. This is the place for new questions to be posted.
30 posts Page 2 of 2
 
 

Shining

User avatar
Posts: 27020
Joined: Thu Sep 20, 2007 8:57 am
Location:

Post by Shining » Fri Jul 30, 2010 5:33 pm
I miss mine and I'll admit it, I have moments of *wanting* so I'm so glad I don't have one, the thing I miss the most is catalogues as I absolutely detest shopping for clothes but could happily do it from a book!

I'm glad they're gone don't get me wrong but at times it's like stopping smoking to me I just want one!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

User avatar
Forum Expert
Posts: 76056
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jul 30, 2010 6:23 pm
I am so glad I don't have one now as I know what I would be like!

Won't be getting one once the IVA finishes either!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

ThriftyWitch

User avatar
Posts: 163
Joined: Fri Jun 25, 2010 12:54 pm
Location:

Post by ThriftyWitch » Fri Jul 30, 2010 7:18 pm
I don't really miss mine - but then im only in the early stages of setting up my IVA. I never used mine for holidays or luxuries as such, I was using mine to pay for food, petrol, to pay my catalogues[:0] and even more shockingly a few months back had to put £400 rent on one!, so for me, not having them there now is actually a weird feeling, I used to feel so guilty when I used them, but its scary not having a 'safety net' there, when we ran out of real cash in the month, we had 'the cards'...so now my fear is running out of money and not having something to fall back on. However, I never budgeted before, having a budget for food is honestly great, stops me impulsivly buying all the offers as well!
Trying to be thrifty!
 
 

kallis3

User avatar
Forum Expert
Posts: 76056
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jul 30, 2010 7:47 pm
Mine were used for everything from cars to holidays and also withdrawing cash and then paying it across as the minimum payment to the cards.

How bad is that!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

ThriftyWitch

User avatar
Posts: 163
Joined: Fri Jun 25, 2010 12:54 pm
Location:

Post by ThriftyWitch » Fri Jul 30, 2010 7:52 pm
Ahhh, the old withdrawing cash technique Jan! Totally hear you though - I recall leaving my road tax until the last minute and rushing down the Post Office, only to be abruptly told 'I can't take that, its a credit card!' I felt like a right looser! So, I promptly dashed to the cash machine drew out the cash and brought my road tax!
Trying to be thrifty!
 
 

kallis3

User avatar
Forum Expert
Posts: 76056
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jul 30, 2010 8:36 pm
Used to leave home early for work on a late shift, nip to the bank, take the money out and straight into the bank to pay my credit card bill.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Julie

User avatar
Posts: 9503
Joined: Thu Feb 14, 2008 10:56 pm
Location: United Kingdom

Post by Julie » Fri Jul 30, 2010 8:44 pm
A young girl who works with me was jumoing for joy today as her new credit card has a £7k limit! I told her to cancel it as she's struggling financially anyway. Needless to say she won't.
 
 

kallis3

User avatar
Forum Expert
Posts: 76056
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jul 30, 2010 9:12 pm
I would have been the same, and gone out and spent on it as well. You can't tell some people.

Hindsight is a wonderful thing.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

deb.ml

User avatar
Posts: 115
Joined: Tue Feb 16, 2010 8:24 pm
Location: United Kingdom

Post by deb.ml » Fri Jul 30, 2010 9:24 pm
It is awful looking back. I remember after moving, and the house needing way more than I'd thought, going to a cashpoint and getting money out for builders and some to pay in to bank account as I was constantly robbing Peter to pay Paul. I knew I had to do something before I couldnt juggle anymore. I do worry about something breaking and not having a safety net. I had to laugh when I read your post Jan as I've done that a few times. Thank goodness we don't have to now!!
IVA started Sept 09. Glad to be on the way to being debt free
 
 

kallis3

User avatar
Forum Expert
Posts: 76056
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jul 30, 2010 9:36 pm
Too true Deb!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

31101932

User avatar
Posts: 98
Joined: Sat Apr 24, 2010 6:57 pm
Location: United Kingdom

Post by 31101932 » Fri Jul 30, 2010 10:59 pm
I have done many of the things above, and when I received an increase in the credit limit on one of my 13 (I think) cards I would just go out and book a holiday (including going to the 2004 Olympic Games), buy some more CDs, have a nice meal out...

Then it got to the stage where I was paying the cards which were due just after payday and then drawing money out to pay the next ones, rolling it on and building up the debt while still spending as above.

Finally, just before Christmas 2004 my cashcard was held by the cash machine and I realised that there was a problem.

My IVA started in June 2005 and I am now waiting for my Certificate of Completion.

The £870 extra each month means that I will not need to borrow in future.
 
 

orchid5

User avatar
Posts: 1814
Joined: Sat Jul 05, 2008 2:37 pm
Location: United Kingdom

Post by orchid5 » Fri Jul 30, 2010 11:00 pm
Been there too Kallis, borrowing off one to pay another etc, very easily done. Now entering my 4th year, 1st payment of that going out on the 1st aug so not had a credit card for over 3 years and to be honest i don't miss them. when i think back to how i was then to how i am now it has been a massive change, i now look for bargains, go to the whoopsie counter in Tesco, save stamps each week for xmas and have asked that my vouchers from tesco be saved and sent out once a year to me, got nearly £80 for xmas. It's amazing how creative you can be, the truth of it all is that i never want to go back to how i was and hopefully never shall.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
 
 

New start

User avatar
Posts: 96
Joined: Thu Jun 10, 2010 8:25 pm
Location:

Post by New start » Sat Jul 31, 2010 2:30 am
I am only at the start of my IVA and what i miss is the security of it.

I am just starting to getting used to paying cash for things and for using my debit card.

I look at the cash daily, check what is in and what has to come out.

At the moment as we are only starting and we are getting used to this whole new way of life i am still learning.

But i do not miss anything else about it other than knowing it is there for an emergency.

Now i hope we have the money there for the emergency! Fingers crossed xx
 
 

kallis3

User avatar
Forum Expert
Posts: 76056
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Sat Jul 31, 2010 7:24 am
In 2005 we paid for a holiday in Sri Lanka, had our American friends across for three weeks during which time we spent a week in Ireland and one in Scotland and a weekend in London. Then we went to New York for a week just before Christmas - all on the plastic and loans.

I think the stupidist thing we did was buy a people carrier as the car we had wouldn't have taken us and our friends. Once they had gone it was far too big so we had to sell it and get a smaller one! We had four cars in one year!

Current car is just coming up to 5 years old and will be with us for a while longer yet!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Shining

User avatar
Posts: 27020
Joined: Thu Sep 20, 2007 8:57 am
Location:

Post by Shining » Sat Jul 31, 2010 7:39 am
Cars and holidays were our downfall too Jan, I've had my car almost 7 years now and it's staying, I use the not getting a new car until we move line on my friends as they've all had a couple since I've been in IVA.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
30 posts Page 2 of 2
Return to “Ask IVA Forum and Industry experts”