I do enjoy it, it's educating me to be so frugal again, without this solution I hate to think what state I'd be in now. I think it helps to have an IP who is not only understanding but always available. So yes I enjoy it for now. After 60 months, I want this to have been a positive journey as its certainly taught me a lot re the value of money and priorities in the 14 months I've been in one so far.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.