Hi can somebody help me. Our iva was accepted on June 18th 2009. Our contract stated we would pay for 60 months and in the 54 month look into either releasing equity in our property or paying another 12 months. Our iva was with Rsm who then were Rsm tenon and now grant Thornton. We have paid every m...

Well Kallis, not all of us seem to be as fortunate as you, I like to go to all the different shops, I find it very mundane to shop in the same shop on a regular basis and like to go to different places to have a good variety. And as they are all quite close together it is no big deal. My cupboards a...

Well Done Skippy, and congratulations on your wedding date. I used to divide my shopping allowance by the weeks and do a weekly shop with the cash, I used to shake though when I was getting near my limit. Now I start each month with my budget, I go out and get every single thing I need, wash powder,...

Hi James, Many thanks for that advice. I actually didn't do my calculations (only the regular ones with the DD: mortgage, poll tax elec etc.) And was given these figures from my IP. I just wanted to check to see if they had gone up or not. As you suggested it is very wise to have a good read through...

Thank u very much snuggzzz, your a diamond, i googled it and got the list too, excellent read and some of my figures are a lot lower than even the cccs guide. No wonder why I couldn't afford things, but with a slight wage increase I can now hopefully argue for the extra bits to help me live a little...

Many thanks Foggy, Kallis3, KatiKat (will go in and give your advise a try, cheers) and Tina S, for the advice, I was wondering why I couldn't find anything, Just wondered where people got their figures from and if I was being given the right figures in 2009 and if they had gone up (as my cost of li...

Where can I go to see the CCCs budget guidelines for familys