Life in debt

[thebear29uk]

Hi all

Well the last week was tough. Payday last day of the month and £130 of expenses not claimed in time so I struggled to get by. I know everyone is in the same boat but sometimes it impacts on you more than you imagine.

Anyway I just about got through it but what I realized is what a difference a year makes. Sunday was my birthday and I was 41!!! This time last year I didn't want to face up to my problems so carried on burying my head in the sand. 6 weeks later I accepted my problem and got in touch with the National Debtline.

What I noticed last week was that I accepted I was skint and "cut my cloth accordingly". A year ago I would have thought "no problem, just put it on the card" but 12 months on I live a life without credit and know that if I borrow money before payday I will be so much worse off for the rest of the month.

I know I have learnt to respect money over the last year, something I didn't do for the previous 6 years. Its a good feeling to get to payday with money still in your account whilst at the same time knowing you are not overdrawn or have credit card balances/loans etc.

I've had a great birthday weekend. I went out and got very drunk last night because friends kept buying me drinks. I was very sick outside the club and again when I got home but I had a brilliant time. Today some friends came over and I cooked a roast dinner then we went to the pub for the quiz. We won and the quizmaster got everybody to sing happy birthday to me. Once again friends kept buying me drinks.

So all in all a great weekend and not very expensive. But I remembered that life is for living and put my debt worries aside for a couple of days.

When I wake up tomorrow I'll remember that I have an IVA to pay off and 4 weeks to my next payday so moderation and resistance to impulse buys will kick in again. But for this weekend I had fun which is not something I take for granted anymore.

Regards

Dave

P.s. Skippy such a shame Chelski lost to Villa.

[aguise]

Happy birthday for yesterday, its mine today and no bills to worry about makes it so much nicer. Taking my grandbabys to see the animals today at a nature centre so will be nice if it doesnt rain.

Ang x

Please visit my blog at http://aguise.blogs.iva.co.uk/

[scaredkez]

dave glad you had a good birthday and got to enjoy it with friends!!

aguise many happy returns for today and i hope you enjoy your day with your grandchild, hope the weather is better by you so you can enjoy your day.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Skippy]

Happy birthday for yesterday Dave - glad Man Utd could give you a win as a pressie!

Happy birthday for today Ang!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[iva_squirrel]

I'm glad you had a nice birthday Dave.

Happy Birthday aguise!!!

Regards,
Michelle P.

[iva experts]

Happy Birthday to both Dave and Ang, I hope that you have a great debt free year ahead [:D]

Best Regards. IVA Experts

[iva.com]

Happy birthday to you both!

Dave, glad to hear that you had a good weekend.

Ang, hope your day at the nature centre turns out well.

Terry

IVA.com - The IVA Comparison Site
100s of reviews, All IPs and IVA firms rated.

Use our IVA firm comparison tool to find best IVA firm for you:
http://www.iva.com/iva_comparison_1.asp

[Lisa2009]

Many happy returns to you both

[thebear29uk]

Thanks to all for their kind wishes and Happy Birthday Ang. Hope you've had a great day out.

Dave

[Skippy]

Hope you're feeling a little less delicate Dave!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[lily]

Hi Dave

I know what you mean about the diffrence a year makes, boy do I know. I made my first post this time last year, terrified and paralysed. Anyway you guys reached out and I am able to accept everything and am moving forward. I have learned so much.

Hope you both have/had a fantastic birthday.

Happy times ahead for both of you, I am sure.

lily

[aguise]

Oh How nice to come home to all these messages, I,ve never had so many happy birthdays. We had a lovley day picnic and all that, and going for a carvery tonight. I have such a busy week really nice as we cant go on holiday but a meal tonight the meeting tomorrow and another meal on thursday its nice to have a full calendarand not to have to go to work.
Dave I dare say I may be a bit delicate tomorrow hope you had a great time.
Thank you all.

Ang xxxx

Please visit my blog at http://aguise.blogs.iva.co.uk/

[scaredkez]

enjoy your evening ang, we will try not to shout to loudly tomorrow on the forum just incase you are delicate lol
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Adam Davies]

Hi
Happy birthday Ang and a belated happy birthday to Dave.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[aguise]

Thanks Andy will see you tomorrow.

Kerry If i come back and cant spell or write something stupid you will know why!!

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/