I remember Norm coming into Cheers just as Woody opened the door first thing in the morning. Woody said 'Beer Norm?' to which Norm replied 'a bit early isn't it?'. Woody said 'what a bit early for a beer' to which Norm replied 'no for a stupid question'.
Fantastic news Pog! Congratulations and keep us informed as to how the IVA is running.
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
Thanks so much everyone........we have had a lovely day together and our journey to debt freedom has really now begun. We still can't believe it we were paying over £2000 per month just to service loans and minimum payments on the cards...how did we get in such a state! Well one things for sure never again if we have not got the cash we don't have it! Have been watching every penny since the begining of July and although I realise 5yrs is a long time am really looking forward to it.Each month our accounts never actually were in credit our wages just disappeared into the overdraft.
Intend on sticking around on the forum as you have all been such a great support to us.
PS.....we must just mention a big thank you to Andy Davie who instantly lifted the burden with his knowledge and expertise back in July and also to our I/P Susan Clay and her very efficient team.
