This morning i have been putting everything to do with my IVA in order in a neat little file.
cutting up credit and old bank cards, thinking about the money i have spent, some of it necessary some of it not.
a couple of foreign holidays that i really couldn't afford, extravagant gifts for my daughter at birthdays and christmas, many gifts she never even asked for.
she doesn't know about my IVA, don't feel i need to concern her with this, but i have explained to her that money is tight and that i am no longer spending on credit cards.
Well this weekend was her birthday, we went clothes shopping in primark and peacocks, instead of the usual department stores we would have gone to previously. we bought a couple of pasties from a bakery and ate them on our return to the car, instead of an expensive lunch out. we had a supermarket bought birthday cake, and she had friends around for a sleepover, with a couple of DVDs we hired, and a takeaway of their choice, and some sweets and chocolates to finish off, and you know what she thoroughly enjoyed!
and it was all paid for out of my own cash.
And pottering about the house this morning just made me realise i feel the most content i have felt in years.
kat
IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Perfect! Your heading on your journey with a good start!
My boys are 6 & 8 years and we do everything we can so they don't notice, but in saying that they ate still spooky in many ways that money can not buy.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
That's great Kat - Am glad you are feeling positive about everything - I don't have any kids but it was my partner's birthday last week and normally I would have been the same - spending on credit cards to get him nice things. This year - we had a takeaway at the weekend - cost all of £12 and some booze - we have postponed present buying till we can afford it.
All paid for in Cash - its a very good feeling to not be spending on credit!
Susie
x
IVA Accepted 31st March 2011.
IVA Ends 31st March 2016.
My lad know money is tight-now he saves his pocket money for the bigger things he wants.
He thinks it is because I left work through ill-health so doesnt know the full truth.
Hopefully he is learning the value of money better than we did!!!!
He said - very seriously-he would get a part-time job to help us out-hes only 8!!!
bless him.
full and final accepted January 2015
iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
I so understand your feeling of contentment Kat. I continued work for 5 years beyond retirement age because I didn't know what to do and knew I couldn't survive on a pension with all of the debt I had. Yes, I am now debt free and living on a much reduced budget and have to be very careful, however am extremely content with life....
I think people think they have to spend loads of dosh on children. My sister and I asked the kids where they wanted to go on holiday - Spain or West Bay? Answer - West Bay - Result!!! As long as they have a good time kids will be happy.
my lad loves camping-take a couple of his mates-my dogs and off up the Lake district.
Only half hour away so when they say *are we there yet*-we usually are!!!
As long as he has his best mates with him hes happy-and a few good trees to get stuck in.
full and final accepted January 2015
iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
That is a result kazza! My daughter knows we can't spend anything - then again she is 23! We did manage to have a little party for her birthday when she invited a few friends. We did the food, she and her fiance provided the booze.
I buy presents for some kids in the family but do look for the cheapest I can get.
When they're really young, they don't care!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
to be honest i now think the extravagant present buying eased my concience about being a full time working mum and my daughter having to spend a lot of time with my parents, and to make up for the fact that she has an absolutely useless father who doesn't contribute and couldn't care less.
kat
IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
I dont think so kat,you would have spoiled your kids anyway if you were out like me.your post reminds me of me.be prepared though it is hard at xmas sticking to your guns ,which i did for four years,after being generous to family and friends in the past its hard to adjust.
Kat - sounds as though she is better off without him! My step grandaughters dad is next to useless as well!
We had her over the weekend and she was happy enough with walking the dogs, playing with bubbles and walking up to Tesco with her pocket money!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
We called a family conference 4 years ago when my parents retired and all decided to only buy pressies for the children. We all contribute to the food and one of us cooks it. It's never me though as I don't live where they all are. Result!..I love seeing kids open their pressies. They are old enough now for cash but I buy little things throughout the year that are dirt cheap but I know they love (activity stuff mainly as they love making their own cards. I think I got 10 little things each for £15.00 by keeping my open... Yep you guessed it I spoil their socks off!
