Merry Christmas and thanks

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ivamess

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Post by ivamess » Mon Dec 22, 2014 10:26 am
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Just wanted to post to wish everyone here a merry Christmas holiday and that you managed to achieve what you wanted to on your budgets! (We did thanks to hubby's incredible way with spreadsheets and money so everything was maximised).

I am so grateful for everyone here and the help and support that you give freely and without bias, both professionals and fellow IVA-ers. I hope that 2015 is as good a year as an IVA allows for all of us.

Thanks especially to all the other Creditfix-ers whose support is invaluable in a time of uncertainty. I am sure we will stick together whilst the mess is sorted out and between us, make sure that nobody is taken advantage of.

Ivamess.
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Foggy

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Post by Foggy » Mon Dec 22, 2014 11:02 am
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And a Merry Christmas to you, Ivamess and to all forum readers and posters alike.

However you celebrate this time of year I hope you all find peace and enjoyment and, let us hope that 2015 brings us good fortune.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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abbiesmum2003

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Post by abbiesmum2003 » Mon Dec 22, 2014 1:47 pm
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Merry Christmas to you all too! We have managed another christmas without a CC and thoroughly looking forward to not receiving January CC statements unlike many of our friends! Will see what 2015 holdsin store especially when review due in April!
Happy Christmas X
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relieved33

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Post by relieved33 » Mon Dec 22, 2014 1:53 pm
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Merry Christmas one and all! Thanks to all for your help in 2014. Keep going, it's worth it in the end! Best wishes to everyone for 2015!
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welshwiz

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Post by welshwiz » Mon Dec 22, 2014 2:45 pm
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Merry Christmas, our first Christmas without debt or iva for 23 years it feels great, keep going everybody there is light at the end of the tunnel
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ridingthestorm

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Post by ridingthestorm » Mon Dec 22, 2014 2:54 pm
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Merry Christmas. Its been the best 9 months since being in my IVA and have learnt how to budget very easily and to respect money. I'm also glad that there's a big presence of Newly transferred CF'ers and hoping we all stick together for the unknown and show them we won't be mucked around.
Loved Money, Hate Credit, Road to Recovery.... IVA started 3/3/14 -- IVA F&F accepted 18/5/17 :D
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Shining

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Post by Shining » Mon Dec 22, 2014 3:44 pm
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Merry Christmas to every member of this forum as we all joined for our own reasons and whatever they are, I hope Christmas is a very joyous for you and the New Year brings health and happiness.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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ivamess

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Post by ivamess » Mon Dec 22, 2014 4:01 pm
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NO CREDIT CARD BILLS IN JANUARY!!!! Hooray. First time ever :)
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abbiesmum2003

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Post by abbiesmum2003 » Mon Dec 22, 2014 5:49 pm
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Its a great feeling Ivamess!
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seagulls

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Post by seagulls » Mon Dec 22, 2014 7:40 pm
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Happy Christmas to you all !
This is my first Christmas without debt or an IVA .The habits I have learnt during the IVA will ensure I never overspend again.
I wish you all a Happy and Prosperous New Year !
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hubert

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Post by hubert » Mon Dec 22, 2014 10:17 pm
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Merry Christmas to everyone on here too [:D]

January with no credit card bills is bliss indeed...

No twinge of guilt using those already over-stretched cards.

[;)]
One pay-cheque away from oblivion!
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in-a-mess-indeed

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Post by in-a-mess-indeed » Tue Dec 23, 2014 1:18 am
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Merry Christmas to all too, an avid fan of this site and the support that has helped us through our journey thus far, we just never have the confidence to advise others. knowing we have made another crimbo that we have "paid" for is fantastic feeling without the worry of trying to find the money from January. Thanks for another year of posting guys and gals keeping us silent shy ones fully informed and feeling good about the IVA route we took :-)
Took The plunge and made the call, changed our family life and we have never been happier. Debt free and wont go back..... IVA was by far the best thing we ever did to teach us the real value of Family and money
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luluj

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Post by luluj » Tue Dec 23, 2014 2:36 am
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Merry christmas to one and all!
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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mrsbee

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Post by mrsbee » Tue Dec 23, 2014 8:25 am
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Merry Christmas - here's to a great 2015 :) for everyone!
Debt free after a successful f&f :)
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