Skint - and over the moon!

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debt attack

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Post by debt attack » Tue Jul 27, 2010 3:10 pm
Woo hoo, its the day before payday and my bank balance says 6pence in credit!!

Haha - you may think I'm nutty but I love the feeling of seeing that rather than £1,999.99 overdrawn!

See, my 5th payment goes out tomorrow and I can't believe how quickly this is all flying by!!

The buzz of seeing any credit level the day before payday still feels as good...novelty not worn off at all!!

Good luck everyone whatever stage you're at xxx
Check out my blog;

http://debtattack.blogs.iva.co.uk

IVA Approved 4th March 2010
IVA Completed 4th March 2016
My Journey and aim is to get a tip-top credit score!! :D
 
 

Dando

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Post by Dando » Tue Jul 27, 2010 3:12 pm
Ha ha my IVA got approved yesterday and i'm still on an almighty high.
My bank balance says 1.20 in credit today and again my payday is tomorrow in which my second payment comes out.
Nice to know the novelty wont wear off for a few months yet x
IVA accepted 26.07.10
New Start for me :o)
 
 

Shining

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Post by Shining » Tue Jul 27, 2010 4:43 pm
Mine hasn't worn off and my 31st payment goes out tomorrow. Glad it's going well for you both x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

New start

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Post by New start » Tue Jul 27, 2010 6:13 pm
Do you know that has been the best thing for me. I check my bank every night and every morning and seeing a credit balance instead of an overdraft feels amazing! As long as everything is coming out on time i am a happy bunny!

Congrats on getting your iva approved,

N
 
 

luluj

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Post by luluj » Tue Jul 27, 2010 7:42 pm
3yrs in and I still get excited to see the + figure at the end of the month- not the -figure it always used to be in four figures !

I can't believe what an IVA does to you - it really helps you to focus your mind an ways of thinking !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
 
 

briggadeen

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Post by briggadeen » Tue Jul 27, 2010 7:48 pm
I am exactly the same!! Pay went in a day early and I was elated. But my balance yesterday was £4.38 and everything was paid. And making our 6th payment is going out this week and the time has passed so quickly!! Started my xmas shopping so it spread out over the next few months!
 
 

Dando

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Post by Dando » Tue Jul 27, 2010 8:01 pm
Thanks new start...good idea with the christmas shopping by the way x
IVA accepted 26.07.10
New Start for me :o)
 
 

liverpig

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Post by liverpig » Tue Jul 27, 2010 8:12 pm
My wages don't go in the bank until the end of the month, there was enough left though for me and her-in-doors to have a prawn fried rice each, delivered as well. Don't tell my creditors though.
 
 

Shining

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Post by Shining » Tue Jul 27, 2010 8:15 pm
I look forward to a little treat now and then, I save all oddments and use this to buy 2 for a tenner meals at a local pub. Gives me something to look forward to x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

briggadeen

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Post by briggadeen » Tue Jul 27, 2010 8:16 pm
hey liverpig
Just as I type, hubby and I are sharing salted chilli chicken from the chinese [:D]

£6.50 between us, before we would have ordered 2 diff meals and threw loads out. Now we eat the whole lot!
We're allowed a treat.
 
 

Dando

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Post by Dando » Tue Jul 27, 2010 8:20 pm
definitely deserve a little treat :o)
How do i change my profile to 1 down 59 to go...it will be my second tomorrow but i cant get it to change x
IVA accepted 26.07.10
New Start for me :o)
 
 

briggadeen

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Post by briggadeen » Tue Jul 27, 2010 8:21 pm
If you go into your profile you might have to amend the date a little - my payment date differs to when our Iva was accepted.

Worth a try [;)]
 
 

Dando

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Post by Dando » Tue Jul 27, 2010 8:25 pm
Thanks briggadeen, i'll give it a whirl x
IVA accepted 26.07.10
New Start for me :o)
 
 

liverpig

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Post by liverpig » Tue Jul 27, 2010 8:28 pm
2 for a tenner meals are a godsend :). The luxury of eating out with no guilt.
 
 

Shining

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Post by Shining » Tue Jul 27, 2010 8:30 pm
About once every 6 weeks we manage to go, less than £15.00 with a drink each too....not been for a while as put away money to go to Jan's BBQ this weekend but will be saving again very soon. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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