What an accomplishment well done to get through the 5 years. I think your post will really help people realise that they too will get through. I was lucky to do a F & F at the start hurt like mad but was over, still repaying sister but it was short & sharp and I worked with Melanie who helped get me...

Get well soon xx

Nice feeling this January not to have any credit card statements. Last year the postie threatened to sue me for a bad back carrying all my post. [:D]

Julie

Very sorry to hear about your news. I too am sending a big hug as you deserve one.
xx

best of luck, awful when things like this get put back as you gear yourself up to it.

Kallis

As I have not been around much not sure how serious your op is but wish you well & hope you get better soon

Kathy xx

Hi

Best of luck & again you are in good hands with Mels team

Kathy x

Hi Amy

Best of luck you are in good hands.

Kathy x

Hi Ollie

I think Lily has said it all. Good luck I did a lum sum too and it sounds like you stand a good chance as well.
Fingers crossed for Tuesday.

Kathy x

Today is the anniversary of the doomsday last year when I confessed all and closed my trading accounts. Hubby & I having a treat later bottle of wine & Chinese (being a coeliac I can only have what is gluten free but still a treat) A year on seems a milestone to us a long way away last year, and wer...

Hi Melanie I think you have to try & stay as positive as possible during the IVA process & I try to be as cheerful as i can even at bad times.If my post only helps one person on those sidelines to step forward then I will be happy. Karen Anne best of luck to you too Kallis so glad you & hubby got th...

Thanks

I must admit the first few months went slow & painful but the last 6 months have flown. Not long now for you LH.
Kallis hope you confession has not put too much strain on things. It is awful I know.
Skippy great to hear from you you helped me lots by the way.
Does Debbie post anymore?

I would pay off the mortgage and have a holiday.Pay off kids studenet loans, make sure all the homeless people in my area had a good christmas with a roof over their heads & full tummies.

I have really sensitive skin as well spotty & dry at times. Luckily enough working from home do not have to bother much with make up.

I have gone onto using the Simply range the light moisturiser seems to be not too bad & only £2.99 a bottle. All their products seem quite cheap & for sensitive skin

Yes I agree I am a lot happier now. I can remember the day after I had stopped trading (I was sat with PC for 12-14 hours a day) actually noticing how blue the sky was the next day and a little Robin sat on my windowsill. It was then I realised that I had not appreciated anything for ages as I was s...