things aren't easy but i'd much rather be where we are now(re paying parents for the £ they lent us to do a F&F IVA)than where we were October last year when our debts "came to light"[V]!
this isn't easy,parting with every spare penny to pay my parents feels a weight at times,cash that'd it'd be sooooo nice to have for us,BUT, there's no comparrison to this time last year - too scared of baliffs too have the kitchen window open for cooking,sick when the postman came,listening to the phone ringing off it's hook - i couldn't cope with the nasty creditors bully tactics[:(],lying awake hours into the night (when i did sleep waking in a sweat from nightmares that my hubby was being beaten up for owing £),the upset stomaches,rashes,panic attacks,feeling so low at one point i thought i couldn't cope....[V]. the list goes on...
we are very fortunate that my parents would happily give us a "payment break" if we need one,it's horrible owing family money but thank God they were able to help,without them BR would have been our only option,i was more than ready for that if we had a rejection.
we've been married for 25yrs, this is the first time in many,many years that i've had money for food every week in my hand[:)]. our IVA 's been a good thing for us,my husband has had to take a good,honest look at attitudes to £/cc's,it's not been easy. i think the restrictions are very sobering as is our final report. what we're re paying feels a lot in relation to what we have coming in BUT in comparrison to what has been written off it's small.
Nothing stays the same...everything changes..hang on in there!
