It's now been eight months since we received our CC and life couldn't be much better.
We are STILL tight as a badgers and won't spend a penny on things we don't need,my wages have gone up and my outgoings gone down and unbelievably we have saved nearly £8000 since our IVA ended.
We have since bought a old motorhome (got a loan from sainsbury's bank at 4.9%)
and are now living the dream on weekends.
We both have aqua credit cards which are paid every month and our credit score is almost excellent.
What ever age you are LIFE begins (again)on the day you receive your CC.
Keep on plugging away in the end it's worth it.
Good luck to the people who are starting out on their debt free journey
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