Congratulations, Eskimolou. [:D]

The start of a new era.

I don't know if this has ever been suggested.

Maybe personal finances/financial management should be part of the school curriculum, so that children don't make that same mistakes or crass financial decisions that we have.

Just a thought. [:)]

Good luck. [:)]

Good luck with your creditors meeting on the 6th.

You're near the finishing line now. Be positive and all will be OK. [:)]

I'm also a new "IVA-person" (approved last week). I asked myself this question, "What do you want? Five years of budgeting with a debt-free conclusion, or many more years of minimum payments, paying one credit card with another and sleepless nights?" A no-brainer, I thought to myself. [:)] I'm so g...

I'm also a new "IVA-person" (approved last week). I asked myself this question, "What do you want? Five years of budgeting with a debt-free conclusion, or many more years of struggling with minimum payments and sleepless nights?" A no-brainer, I thought to myself. [:)] I'm so glad that I took my hea...

Crikey! That makes my £29K debt (two credit cards, unsecured loan and overdraft combined) look like small beer!

Breakdown wrote:

cash is the future for me.

[:D][:D][:D]

Agree 100% with that.

"Cash Is King"

I've given credit the big "E" going into an IVA and I don't intend to obtain credit when I've completed it either.

A great post, futureisgood. Have to admit, up until the end of last year, I was burying my head in the sand as regards to my financial situation. In January, I decided "enough is enough" and started the IVA process. I'm so glad I did now, because having had my IVA accepted last week, there is light ...

Thanks, kallis3[:)]

....does it take for your name to appear on the Insolvency Register?

Hi, all.[8D] Thank you for the replies. When I got home from work last night, I phoned up my creditors - which makes a change from them phoning me [:D] - and made a point of telling them that my IVA had been accepted. "That's OK...we'll update our system with that. If you receive any correspondence ...

That's great news, Sharon.

Well done!

[:)]

I signed and returned my proposal on 5th February.

My creditors meeting was yesterday (see signature[:D])

so about five weeks for me.[:)]

I was just wondering that - maybe Trev is in the pub celebrating!! [:D] I wish[:D] It's been a busy afternoon in the office. I have indeed been accepted (see my topic GREAT NEWS!!)....it hasn't fully sunk in yet! The creditors meeting was at 2 and I got the call to say I'd been accepted at 2:15! I ...