ok - so I've don my research and now know what an

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Viki.W

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Post by Viki.W » Mon Nov 03, 2008 8:04 pm
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Brilliant news facefacts, congratulations. Enjoy your night. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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Julie

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Post by Julie » Mon Nov 03, 2008 8:33 pm
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Congratulations from me too [:)]

Hope you have a lovely evening xx
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kallis3

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Post by kallis3 » Mon Nov 03, 2008 8:41 pm
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Thanks for the kind words about my blog! I do actually have a prepaid card, trouble is, there is nothing on it as I can't afford to pay anything across at the moment!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Skippy

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Post by Skippy » Mon Nov 03, 2008 8:44 pm
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Congratulations Facefacts and good luck with your IVA x
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facefacts

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Post by facefacts » Mon Nov 03, 2008 9:34 pm
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Am feeling really good tonight. Had a nice dinner and took stock of the bargains I have had in the sales over the past few months. I made an initial set up payment 3 months ago and then 2 payments towards my IVA while it was being 'processed' so I have been on a budget since then, but have been able to plan ahead as I was no longer robbing peter to pay paul from card to card (had fingers crossed the whole time that the IVA would be accepted though.) Taking stock of things, it would seem that I have nearly all of my Xmas shopping done with the exception of the boyfriend. What an achievement! What a day!
10 down. 50 to go. DFD planned 3/9/2013! Getting there slowly but surely.
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kallis3

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Post by kallis3 » Mon Nov 03, 2008 9:43 pm
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You've done well, facefacts. Wish I could be that organised. I've not even started yet!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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facefacts

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Post by facefacts » Mon Nov 03, 2008 9:49 pm
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I was quite good with the sale items to be honest. There is a huge new shopping mall which has just been built near where I live which meant that some of the shops which were moving into it had 70% off closing down sales. Not bad when this included House Of Fraser! Got some really nice things for almost no money and better still not on credit!
10 down. 50 to go. DFD planned 3/9/2013! Getting there slowly but surely.
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kallis3

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Post by kallis3 » Mon Nov 03, 2008 9:53 pm
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Yes, I am looking forward to that bit. It will make a change to pay solely with cash - a novel experience for me!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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facefacts

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Post by facefacts » Mon Nov 03, 2008 9:57 pm
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Also forgot to mention with my list of creditors votes that I had 2 store cards.
1 Dorothy Perkins (GEC) £470
1 House of Fraser (GEC) £2,000
neither of these voted.
Nice to now be spending cash in Fraser's especially in their sales. And Dorothy Perkins have nice watches for £7 at the moment!
10 down. 50 to go. DFD planned 3/9/2013! Getting there slowly but surely.
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facefacts

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Post by facefacts » Mon Nov 03, 2008 10:01 pm
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And better still I know that I have a budget for fuel. It costs me a fortune to get to work each day and I was always juggling this between cards. So nice to know that I have an allowance for it now.
Have been spending my clothes allowance on xmas pressies in case anyone is wondering. Figured I will get better value for clothes in the January sales with my allowance, and I have a wardrobe full still from my credit card days. For now it's about prioritising and I've got quite good at it over the past 2 months.
10 down. 50 to go. DFD planned 3/9/2013! Getting there slowly but surely.
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facefacts

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Post by facefacts » Mon Nov 03, 2008 10:04 pm
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Just wanted to thank everyone so much for their support and encouragement. I don't know how I have got through each day recently, as my home situation is far from good and I haven't had the strength yet to tell anyone about my financial issues. There are times when it really is possible to feel very alone in all of this.
10 down. 50 to go. DFD planned 3/9/2013! Getting there slowly but surely.
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facefacts

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Post by facefacts » Mon Nov 03, 2008 10:48 pm
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still can't believe I've been ACCEPTED!
It's just such a relief.
I know there is a long way still to go, but for me I really see this as a fresh start in my life.
10 down. 50 to go. DFD planned 3/9/2013! Getting there slowly but surely.
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