I POSTED LAST.
I have not logged on for a very long time and I am truly sorry about that, especially after the advice I have received from a lot of fantastic people, I have been reading the posts, mainly at work on nights, but with IT policys did not want to log in and leave a trail as it were,
First let me say a hearty congratulations to everyone who has got their IVA`s B.R`s or any other form of financial help sorted out so they can breath a sigh of relief and start to clear their debts and look to the future WELL DONE TO ALL.
I am just coming to the end of my first year in a few weeks, and wow has it flown by, I have been very lucky, not had any major problems at all, skipped the redundancies ( so Far ) 250 have gone in the last 5 months or so though, apart from a bonus last May, I have not received any extra money at all, and that was paid into my IVA within days -10% then 50% of remainder sent, My April payrise last year came in just after the IVA so that just went in with the 10% clause, hopefully the payrise this year will mean I can add a bit more to my IVA, and this will reset my 10% clause,hope this makes sense I know what I mean [:D].
I have even got myself a bit fitter too, I got a cycle through the cycle to work scheme, using last years payrise, so apart from the slight worry of the redundancy issue, I am the happiest I have been for a very very long time, My girlfriend has been amazing and very supportive, she suggested we go away for a little hol, and paid for it, on the understanding that when I am clear of the IVA I save up (that will be strange - money to save) the IVA payments and pay for a holiday of her choice big gulp there, So there you have it I am fitter sleep better and am a whole lot happier with life in general, and it all down to the advice from this forum, and Melanie and her team.
I am also hoping to get to Frugal Friends meeting as well (at last)
Take Care
Warmest Wishes to all
Mark
