Thanks Viki! I'm almost looking forward to the next 5 years - I know it will be tough but it will be the first time I've lived within my means since I was 18....

Hi Viki.W

It was a boy - we've got three boys now! Lots of sleepness nights, but not like the sleepness nights I used to have!!

Hi everyone, I haven't posted since I first joined a couple of months ago but I constantly log on and read the posts - I have found it incredibly useful and comforting to know that are other people in a similar situation to me! I thought it would be a good idea to let everyone know that I decided to...

Hi Melanie

Thanks for that, I will get some proper advice.

Just one question though - would I be able to include my payday loan in an IVA?

Thankyou

Hi everyone, Firstly, this forum is great and it is a relief to find people in a similar situation to me! I could do with advice on the best way forward for me. I currently owe around £22,000 on various credit cards and a loan. The interest rates are fairly high on most of these (15-29%). I am behi...