Hello there, the blog didn't actually say what to do it just gave me the idea. I use spreadsheets in my work so know how to create one. If you can tell me how we can exchange email addresses on here (as I am new to the site) I could email you a template with the formulas to use if you like.

Oh, and I have just had an email from Ebay saying listing is free this weekend!

Good luck with the Ebaying! I've sold a few bits this week, nice to have some pennies in the Paypal account!

Good luck both of you. Thanks for your support. After years (too many years!) of being in debt (and hiding the fact) I'm counting down the months to 2012. Will soon be here.

Yes it's a 5 year IVA. My last payment in 2012 will be 2 weeks after I am 40. My life really will begin when I am 40!

Thanks for your help. The letters have been binned! I've only seen this website today and have found the information so invaluable. On reading a blog, I created my own payment spreadsheet and it has been so satisfying that my April payment was in fact my 30th payment so well done me! I can see I wil...

Thanks Jan. My IVA is through Payplan.

Hello everyone, I am half way through my 5 year IVA and I have to be honest and say that it is a struggle that half my salary each month is taken for my IVA (I know it's my fault I am in this financial mess) I receive letters from other debt management companies telling me I could have been mis-sold...