Happy new year to everyone.
I just thought i would drop a line this month is were i have now been in an IVA for 1 year, thats right started with 60 months and 48 months left, in another 18 months i will be half way.
Its felt great, this is the first 12 months i have not had to worry debt, robbing pete to pay paul, everything paid in cash no credit.
I can honestly say i will never get credit again and even when my IVA is finished i think i will keep with the basic account.
When i read the items of forumn i can see people who are worried about entering an IVA, dont be it will be the best thing you have done, put money worries behind you. For me this last 12 months has been brilliant about not worrying about debts. Dont get me wrong i have found it hard at times, like now i dont get paid for another 2 weeks and i have £21.50 to last till then, so what i just wont go out any were all bills are paid and just enough food in the freezer.
I would rather struggle for 2 weeks on £21.50 than have the stress of been in debt or having to live of credit cards.
I now go by the prrinciple if i cant afford it i dont buy it, or if i dont really need it then i dont buy it.
I tell you what was a good feeling, everything i paid for over christmas was with cash, and it felt great to notice that so many people were using credit cards all i could think was, at least i wont have any credit card bills in January -ever again.
Regards
no matter how bad money gets, theirs stll alot more important things in life
