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Dominic

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Post by Dominic » Wed Oct 12, 2011 7:46 pm
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1. Do not leave out any creditors

2. Do not set unrealistic spending limits per month

3. Keep to a strict budget

4. Absoulute honesty between you and your practitoner do not keep anythng from them

5. If having problems with the payments ask for a variation

6. On no acount enter into an IVA if you cannot afford it you have to make those payments.

7. Consider bankruptcy or the new Debt Orders IVAs are not an easy option they are HARD WORK

8. Stay optimistic
Last edited by Dominic on Wed Oct 12, 2011 7:53 pm, edited 1 time in total.
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luluj

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Post by luluj » Sat Oct 22, 2011 4:22 pm
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Some good points made and if they are followed then your IVA journey should be ok !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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kazzafunk

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Post by kazzafunk » Sat Oct 22, 2011 5:54 pm
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Good points made there. I had a wobble last night as have £50 to last a week and may need fuel etc, but as OH said, before we were not using our money we were using credit to get through the month so to have £50 with a week til payday is far better then we used to have.
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
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Shining

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Post by Shining » Sat Oct 22, 2011 7:00 pm
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I've had a bad month this month with daughters 18th and now hubby off work but hopefully be back on track soon x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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oscar

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Post by oscar » Sun Oct 23, 2011 10:31 am
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Dominic I like your post. Kazza and Lesley I hope the next month's a better one. Hang in. Hugs
Oscar
http://rollercoaster.blogs.iva.co.uk/

need to smile today? go on check out my blogs - I'll add to them regularly
Our IVA's over YIPPEE unbelievable!Seems like yesterday it was approved despite everything
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