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Posted: Wed Jun 13, 2007 10:44 am
by Sarah
Morning All
Just wanted to have a mini celebration as it was exactly a year yesterday that I entered into an IVA and I have to say that the time has flown by. I look back at my life before my IVA and i compare it to now and i have to say it was probably one of the best decisions i have ever made. Just wanted to mention it as i know we hear a lot of troubles on there and just wanted to give people hope that it can work!
xx
Posted: Wed Jun 13, 2007 10:53 am
by scaredkez
congratulations for getting through your first year sarah.
kerri
Please view my blog at:
http://scaredkez.blogs.iva.co.uk/
Posted: Wed Jun 13, 2007 10:56 am
by Oliver
Congratulations and thanks for sharing that with everyone. I am really glad to hear that your IVA is working out for the best for you.
Best Regards
Oliver
Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at:
www.thomascharles.com/about_us.asp
Posted: Wed Jun 13, 2007 11:03 am
by ivoriva
Congrats Sarah, it is refreshing to hear of things going well.
Do keep posting and let us know how you are getting on.
Posted: Wed Jun 13, 2007 11:27 am
by iva experts
Well Done Sarah, Only four more to go! How are you living with/getting used to a reduced montly expenditure? I know this is one area in particular that people struggle with.
Best Regards. IVA Experts
Posted: Wed Jun 13, 2007 3:02 pm
by Sarah
Well i know this might be a silly bot of advice but i wold not have been able to do it without internet banking.... anyone that has not got this should it helps you keep track of everything. Plus what i tend to do is when i get paid take out all the money incash that i will be needing for that month and then make sure that my mum keeps my card.... i know it may seem simple but things like this have really helped me.... and the knowledege that in 4 years i will have a new life!
Posted: Wed Jun 13, 2007 3:15 pm
by ivoriva
Thats good advice, in my case - every month I give all my income (after payment to IVA!!) to my wife bar a few quid for pocket money! Then she pays for all my bills etc. So she has virtually complete control over my finances and I've never got anything unless I ask her first and she only allows the essentials! But it works a treat, as I've got no credit, and no money in my account, so I cant go wrong.
Posted: Wed Jun 13, 2007 3:16 pm
by Sarah
Exactly that is the way to so it and then you know where you stand all the time... but internet banking is amazing!
Posted: Wed Jun 13, 2007 5:17 pm
by iva experts
Ivoriva and Sarah great tactics from both of you, and looks like it is working so far. Keep up the good work. [:D]
Best Regards. IVA Experts
Posted: Wed Jun 13, 2007 5:31 pm
by finebridge
Hi Sarah,
How refreshing to hear your IVA is working smoothly. These sorts of posts give hope to others!
Kind Regards
Nicola
Finebridge Ltd
22 Laud Street, Croydon, CR0 1SU
0800 180 4212
www.finebridge.co.uk
Posted: Wed Jun 13, 2007 5:36 pm
by ray_a
Well done Sarah!
Good luck for the next year!
Regards
Ray
Posted: Wed Jun 13, 2007 5:49 pm
by todd71
Well done Sarah good advice to all heep positive
and good luck.
Posted: Wed Jun 13, 2007 6:46 pm
by aguise
Hi Sarah well done
I totally agree with what you say, I have also found it to be a huge positive in my life and has changed my whole outlook on dealing with money. We do as you and ivor hubby just asks when he needs something and says he has never felt happier. We are with thinkbanking so they help a bit as they keep the bill money etc seperate from the cash for us and at least when I use my debit card I know exactly what is there for us.I feel so much more in control of money and what I buy is bought by my not with credit. its a nice feeling.
All the best
Ang
Posted: Wed Jun 13, 2007 7:36 pm
by Adam Davies
Hi Sarah
Just to agree with everyone else in that its good to hear the positives regarding an IVA.
regards
Andy Davie
IVA.co.uk Spokesperson
About me:
http://www.iva.co.uk/andy_davie_profile.asp
IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp