Just to say sorry I haven't been about the last couple of weeks after you were all so supportive the day I got accepted! Work has been crazy busy and I have been going home wrecked plus trying to get my head around the IVA etc!
I cannot believe I haven't made it on here in so long, time flies thats for sure!
Never apologise podmoo! We know there are reasons why you cannot post and it's nice to see you back!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Do not worry about it pod_moo I've only just come back after about 4 months of being away from the site. Could not believe I had not visited in so long!
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
Thanks everyone, I just felt guilty as I am in a position to offer support to the newbies having just started my journey but having no time!
BOL - Apart from my job being very stressful at the moment so I am shattered all the time, things are good. I am sticking to my budget well and it helped I don't have to make my first payment until my next wages. I have taken the money out and put enough to one side to cover my MOT and car tax for September and the rest I have put to one side for a rainy day. I have had some quiet weekends as I am going to my friends for the weekend at the end of the month (the long one) so I wanted to be tight for the rest of the month so that I can really enjoy that weekend and not worry!
Know what you mean about a stressful job - mine is currently undergoing a review and I have no idea whatg will happen with my pension.
Apart from that I'm ok!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
GLad to see you have been working hard.... I tootle around the site but dont always comment but I'm always interested to see how other people are getting on.
Sounds like you are getting to grips with budgeting and at least you have a lovely weekend coming up as a treat ! Well done and don't feel guilty for not being about ... We all have times when the forum has to be put to one side for a few days ! Log on when you can to let us know how you are getting on !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
welcome back pod-moo and Luke,
nice to see you both back.
pod-moo it can get quite addictive searching out the bargains and seeing how much you can save. We get quite a thrill from seeing if we can beat the previous months extra at the end of the month, this works well till you have a 5 week month [:D][:D]
If life is what you make it, I must have been in a strange mood when I made mine
Welcome back pod moo (got your name right this time!)
& Welcome back Luke! its amazing how time flys!
Its Easter holidays for me - so Im quite busy trying to entertain n stop bickering between my 2 boys!!!!
Plus Im going away next week, so Im busy trying to get all washing done n dusted & house clean before we go! Trouble is with the boys at home, cleaning is pointless & I never see the bottom of the wash basket!
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Hi Pod moo,glad you're ok. sounds like you're trying hard with budget. the emergency fund is vital, ours is dipped into for hubby with dental work.
enjoy the wkend x
Nothing stays the same...everything changes..hang on in there!
