2nd Annual Review

[andrewgoodman121]

[:)]i am just collating up all my payslips and P60 for my second annual review and it has gone so quickly, it feels like only yesterday that i was going through all the worry and stress of applying.
I have 3 years to go and must say that my IVA has been a learning curve for me and i have become more of a Tightwad instead of being a Spendthrift like i was before the IVA.
It is so nice to have a Bank Account which is always in credit and be able to sleep soundly at night instead of worrying about Final Demands and Creditors Calling.
I have found being in an IVA not too bad at all and as long as i have got a roof over my head and living within my means it is pretty comfortable and living to an affordable Budget.I have found the whole thing a Challenge and have realized the importance of Money and living beyond your means through easy credit.
The main goal is to get to the 60th month and have no debts at all and i only have 3 more years to go.

24 months Down/ 36 to go

[Michael Peoples]

Hi Andrew. As I mentioned to Mark on a separate thread, today seems a good day for posters. On top of that Moretolife got her certificate and all these posts give hope to those out there in need of financial help.

[andrewgoodman121]

It is not all gloom and doom as some posters can make people be put off by going for an IVA.
Sure there can come a time when you do run into a bit of difficulty such as the car breaking down and needing repairs or an emergency financial situation BUT!! as long as you keep your IP in the loop things should be OK!!.
i am not rolling in money but neither am i totally skint, i am about just comfortable which i can live with until the end of the arrangement.

[MelanieGiles]

Can't believe it has been two years - time flies, but perhaps less so for those of you having to make the monthly payments. Do remember that the review is just as much for your benefit as your creditors, so view it positively and treat as just another milestone along the journey to debt freedom.

[yodaguy]

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