Seems Like Forever

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Clairbare

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Post by Clairbare » Wed Sep 08, 2010 1:40 pm
Hello all, well if my calculations are right we are 5 months down already - where have they gone to?!!
Well we are coping very well although i have to say with 7 family birthdays, christmas and car tax coming up I am wishing we had tried a little harder to either buy a little something each month or at least save a little harder.
September is my worst month income wise too so maybe I am just fretting a little unnecessarily :-)
Still feel great knowing we are surviving using cold hard cash instead of plastic - although when hubby tried to raid piggy bank for a few quid for some mints and lunch and i flipped out that we can never save if we keep "dipping in" made for a pretty tense morning of silences - i know i was being unreasonable but i would be lying if i said it didnt get to me every now and then.
Anyway I hope everyone is keeping well and not feeling too blue about the weather xx
Last edited by Clairbare on Wed Sep 08, 2010 1:41 pm, edited 1 time in total.
Debt free by 2015 xx
Wants to thank this great forum for the help so far
 
 

kallis3

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Post by kallis3 » Wed Sep 08, 2010 3:27 pm
Excellent post Claire. Glad everything is going ok.

I think we all know how you feel. November and December are my worst months for birthdays. I always dread them.
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

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Post by Shining » Wed Sep 08, 2010 4:57 pm
Glad you're well Clair and coping within the IVA, I'm a bit like that with my hubby don't worry, don't do wasting money anymore! I'm sure my middle name is going to change to Ebenezer post IVA as I watch every penny x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

MelanieGiles

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Post by MelanieGiles » Thu Sep 09, 2010 1:12 am
You are doing really well - keep up the good work and you'll soon have the first year under your belts. It is the worst one most of my clients tell me!
Regards, Melanie Giles, Insolvency Practitioner
 
 

Shining

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Post by Shining » Thu Sep 09, 2010 7:52 am
This client would agree with that Melanie x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

gwdihw

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Post by gwdihw » Tue Sep 14, 2010 7:15 pm
I'm now 6 months down! I can't believe it was this time last year that I was in the depths of despair and couldn't see a way out of my debt problems. However I would rather be where I am now, using my own cash to pay for things and not having the never ending calls telling me I had missed my latest payments. I admit I'm not quite there yet with the budgetting but I am trying. Two weeks ago I took the plunge and told my brother of my situation. That in itself was a relief and he was surprisingly understanding.I haven't told my parents as I don't want to worry them unnecessarily.
I have a few birthdays coming up so with Christmas as well it's going to be a tough few months. Thankfully I'm past the worse months with car servicing, tax amd MOT and I coped....just! I hope the next 6 months fly by just as quickly. Good luck Clairebear
 
 

Shining

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Post by Shining » Tue Sep 14, 2010 7:19 pm
Good luck to you too gwdihw, it's all about balancing the book and a good budget, you'll get there of that I'm sure.

Well done for telling your brother of your situation too and I don't blame you for not telling your parents, no need to worry them.

I'm sure the next 6 months will fly by x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Tue Sep 14, 2010 7:28 pm
Glad it's all working out and I admire you for telling your brother. Must be a weight off your shoulders.
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
 
 

MelanieGiles

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Post by MelanieGiles » Tue Sep 14, 2010 8:03 pm
Glad to see that you are all doing OK. Such positivity will encourage others who may be thinking of taking the plunge.
Regards, Melanie Giles, Insolvency Practitioner
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