After reading your post I had a good hard think about my situation and to my surprise actually came up with a good angle on it. I think [:D]
So, my IVA was a no go from the start. I personally can't afford to repay my debts as they stand, but my husband earns too much for an IVA to be feasible. But my husband won't help me pay my debts. Where's the good side of this I hear you ask.
Well. Hopefully I will have a DMP approved.
Yes, it will take longer for me to repay the money I owe
Yes, I would have preferred an IVA (debt written off, who wouldn't??)
But!! At the end of all of this I will have paid off every single penny that I owe. All of it. It's gonna be hard. There's no doubt about that. But at the the end of it, I can truely say that I finally did it. I finally paid off my debts. That day will be a proud day for me.
And, I'm learning already. I already look at things I want and before I buy them I ask myself, do I really NEED them. Can I afford them. If the answer is no, it goes back on the shelf.
Last month I had £10.00 left in my account. £10.00! But it was MY £10.00. It was the first month I did not use my overdraft or any of my credit cards. I didn't order from my catalogues. And I had £10.00 left.
So whatever your solution, and however long it takes, and whatever sacrifices you need to make, be proud of yourself. You're doing it. You're getting it sorted. And you will eventually learn to be humble and appreciate any help you get, whether it be from professionals, or from your mate who buys you a pint down the pub, cos you can't afford it.
So, baby steps and humility. That's the ticket [:D]
p.s. I'm having a good day today. Did you notice - lol
Johnz
Johnz
