I'm New to this forum having started my ova in September 2017. After the initial relief of having more manageable payments, I have now already got to the point of worrying about money again. I have a fairly low payment amount until my car finance is paid off in April 2021, then that payment will go towards the ova payments. I'm just after some advice on how to keep positive through the next 4+ years. The budget is very tight and my work is up and down with my wages.
How does everyone keep positive? Finally has anyone heard of Dave Ramsey?
You are almost a year through --- 20% down and under your belt. 4 years going forward is not so long ... Prince George is already 5 -- he was only born yesterday !!
Treat your provider as being on your side (ok, sometimes it won't feel like it) ... working together to fight the debt, not working against each other.
Like many of us, in a short 4 years or so you will be completely free of unsecured debt -- given a fresh new start. It's a GREAT feeling, believe me!!
dan385 wrote:Dave Ramsey is an American financial guy, who is on social media and I watch him on YouTube. Although I can't follow his "baby steps" at the moment because of the IVA, I do find his methods, ideas the way forward for me. I will have to start embracing the IVA more, because before I was living above my means and the stress of debt was never worth the newer cars, life style etc
I found that living in an IVA, and dealing more with cash reconnected me to the reality of my finances -- no more magic plastic and, if I didn't have the cash, I didn't buy the goods. I realised the difference between what I needed and what I wanted.
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