No fear of the phone ringing, no dread at the arrival of Royal Mail and knowing the machine will not swallow your card every time you put it in the hole-in-the-wall!!
I am 4 years and 4 months into my IVA am grateful for the whole process as not only am I going to be debt free but I have learnt much.
I can now budget, live within my means and am planning for my financial future. [:D]
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