We have our IVA hearing this week, its been a short but stressful path to get here once we made the decision to go down this route. A new bank account has been opened, credit cards all cut up (and that felt good), salaries and direct debits all switched and whatever happens at the meeting, it will be a new start. My question is probably one that's been posted a thousand times before...Can anybody let me have a spreadsheet monthly budget template please. I'm happy to do one myself, but I dare say there are people who are far better at using formulas etc who have done things better than I would produce.
So...a stressful few days ahead although our IP has been very good so far and seems to be very confident, and all being well the right result just in time for Christmas. That's the plan anyway[:)]
Good luck with your meeting this week - what date and time is it:? What company are you with:?
Have to say that I don't use a spreadsheet - just note down how much my DD's are and when they are due and check my bank account often.
I know some people do use spreadsheets so they might be able to help you.
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
Hi good luck for your meeting this week. You're on track with everything, not sure if there is a template but I do teach IT and do have a passion for spreadsheets so if you need any help with formulae I'll help where I can. I do have a personal one but it replicates my bank account so I'd assume you'd want yours to do similar. x
Let us know how the meeting goes. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
My God they were quick replies! It's this Thursday and I'm with RSM Tenon, who despite one blip, have actually been really good to this point. If no one has a spreadsheet to send I;l try to get my own version done this week and I might ask for your expert opinion if that's ok Lesley?
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
You'll be more than welcome to any help I can give and I'm finished now at work so got lots of time on my hands - famous last words bound to be busy now!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Bradders - if you and Lesley wish to exchange emails then I can do that for you.
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
Bradders, you will find this particular forum a lot livlier than others. The IVA'ers and Experts alike are around all of the time for help and support.
I, too, am with RSM, and have found them to be great, apart from a few reservations. I am in the middle of my first review and will see how my opinion changes (or improves) soon.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
need to smile today? go on check out my blogs - I'll add to them regularly
Our IVA's over YIPPEE unbelievable!Seems like yesterday it was approved despite everything
Good luck! I do use a spreadsheet but it literally replicates my bank account/spending and calculates as it goes along, really simple really. I guess getting an account cash book would be the same, except you can't delete errors as easily!!
"It is never too late to be what you might have been"
Fiona
