kat - I am so sorry to hear about your dog!! Did they find out what caused it?
Baldy, I do agree that if you can save this little bit then stick it in a jar or something - that way you won't get confused.
With the review, just put down exactly what you spend, we have never had a problem with ours.
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
Baldy - don't know if it's because I'm a control freak or because I'm a Civil Servant but I have lists for everything!
I keep a list of how much I spend on food etc and a list for petrol. I start a new one each month. I intend to keep the receipt for the 2 months prior to my IVA review so I can prove if necessary how much we spend. We don't splash out on food, I cook from scratch and in bulk we don't drink and don't buy cakes etc so really it's all basic stuff.
Why don't you keep receipts for the next 2 months to give you peace of mind on what you are claiming?
We have a cashminder account with the coop for savings, contingency,road tax,clothing,repairs and some of the 50% extra on wages which hubby sometimes gets.
I would quite happily spend the lot if it wasnt for the fact that all the above money will be needed sooner or later, I am adamant we will never need to take a payment break(touch wood)!!!
The allowances we get are so tight we have to be strict on having money put away - something I have never tried before but will admit am quite proud of!!!!
full and final accepted January 2015
iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
thanks for some tips i think i will work weekly like a few others do although monthly pay and cild benifit is monthly i think i will feel i have more if i have a bet every week
and yes a good idea re keeping reciept for the 2 months prior to review thanks for that
I tried to do weekly the month before we went into the IVA but it didn't work due to the fact I do buy some stuff in bulk to cook and fill the freezer. What I do now is when I get paid on the 1st I know that's all for the council tax, rent and 3 other direct debits (+ food for the 1st 2 weeks), when OH gets paid on the 15th it covers the IVA and the remainder of the dd's and the last couple of weeks food. I always transfer an amount on the 15th to an ISA that is for insurances, TV licence etc for next year. That way it's out the way and won't be spent. I have a money jar and any change in my purse at the end of each week goes in there. Anything left at the end of the month (very little!) goes into the ISA.
I never have a list other than when I go shopping - never keep receipts.
We shop weekly and hubby does all the cooking so anything like spag bol, chilli and stew is cooked in bulk and the rest frozen.
We get the bread every couple of days from the local bakery. The bank I leave until I know all the DD's are pretty much out and then see how much I have left.
Hubby picks up his benefit on a Wednesday so on a Wednesday morning, anything left in my purse goes into my terramundi jar. Looking forward to smashing that open at Christmas to see how much I have managed to save!!
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
thanks kallis,
they think it is likely to be SARDS, for which there is no treatment, however at a long shot thought it might be worth trying some high dose steroids incase it was optical neuritis, but the vet wasn't very hopeful.
however she is definatly seeing outlines and can better negotiate her way around the house and garden since the steroids. so we have another trip to the vet this week for a review and we will take it from there.
keeping my fingers crossed, but if the steroids are just a temporary fix, and she ends up totally blind again, we will just get on with it, we are already teaching her some new commands for safety sake, and putting sensory markers around the house and garden to orientate her.
she has been part of the family for seven and a half years, she will be fine, we will be her eyes for her.
kat
IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
Not good kat and I do feel for you - we had a dog go blind a few years ago which was due to cancer. I hope your dog manages to cope with it.
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
That's the main thing - quality of life. As long as they can adapt (I know Lesley has a dog that is blind) then she should be ok. Unfortunately our dog had to be put down. We have three now though who are a pain but we love them!!
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
Think of me next Friday Paul - little Topsy is due to have her bits removed!
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
I'm sure she will be ok but you do worry don't you?
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
Sorry to hear about your dog Kat. My mum's last dog went blind and she coped for ages like that. Eventually she was deaf as well (old age) but even then she had a pretty good quality of life.
