Melanie,

They had made a mistake with how much I pay in council tax so the Surplus that I pay they say is correct.

Thankyou for all your advice. I can reduce my payments but I would have to extend the time of the IVA and I don't want to do that so will battle on! x

I am going to call them today. I know they will have to go to the creditors to get them to agree. But that extra £60 per month would mean that I was not without any money for one week a month. Fingers crossed they will drop the payment.

I am in an IVA. It says on my plan on the website that the difference between my expenditure and income is £208.00

I have just looked at my plan on line (Payplan) and it says available surplus 208.00 and I am paying 269.00!? It was 317.00 and was dropped the 15% due to my gas and electric rising ! No wonder I am not coping!

Thankyou for your reply. I don't actually mind being careful and bargain hunting as I always have done but I just feel me and the kids don't have a life, we live hand to mouth and can't do anything. Life could be worse, so I will stop whinging and get on with it!! lol Thank you [:D]

Just over a year in and feel like I am drowning, I am constantly planning ahead and thinking about money ! Am driving myself mad, the people around me too!! This month I have car MOT, sons birthday and car tax. Not sure I can go on like this for another 4 years, even though I know I have no choice. ...

Do you have to wait until your yearly review for credits and debits that have changed since taking out the iva?

Thankyou for your replies. All good advice. I like the idea of paying everything and then dividing by 4 to see what you have left to spend each month, unfortunately because I get some benefits and some wages, I get paid all different times of the month which I think makes it harder to budget. It all...

I am 5 months into my IVA and struggling to make ends meet, i realise that I need to get used to this new budget but I am not buying any luxuries and keeping food shop to a minimum. I frequently have no money to feed my kids and I dread to think about their birthdays and christmas! Any tips please? ...

I got my IVA accepted today without any modifications. Thanks for everyones support so far! Sure I will be back for advise in the future.

Thankyou everyone will be updating you soon

I am not sure how you work that out but my debt is roughly £60,000 and my proposal is £316.00 per month

Thank you everyone!! I am offering £316.00 per month

Creditors meeting is set for next week. Anyone been refused and what happens then??