Good Luck, fingers crossed! It changed my life!

That's great - thanks! I didn't know we could save anything left over, that is a big help towards months when there are bigger expenses (car tax next month, two lots of school uniform in august, christmas, etc!)

Wish I had known this sooner!

If I was to take a new job with a far higher rate of pay, what would happen? Would we need to have the whole IVA reassessed? What if the amount I earned meant that I would earn enough to pay the amount that was originally owed? Would we continue the IVA paying 100p/£? Does any of that make sense??[:I]

To keep on top of our budget and ensure we don't overspend, we withdraw our fuel/food/living money and leave enough in the bank to cover the direct debits etc. We then split the money into envelopes for the relevant weekly amounts. However, I hate having money laid around the house - are we allowed ...

How are kids' savings viewed in relation to an IVA? Both my kids had a few hundred in savings when we started our IVA - something that was never asked about. However, we had to use this money to buy a new (14 year old!!) family car when our old one conked out. It is now my older son's birthday comin...

Hi, I am registered as self employed and submitted my self assessment tax return in January. Due to me working for about 5 months under PAYE and paying full tax during that time, it said that I was due a tax refund of a few hundred pounds. This dates back to the tax year before I started my IVA. Whe...