I refuse to pay over the odds for anything now, and clothes come from Ebay or the supermarkets (preferably reduced!) and sometimes Primark.
I don't buy what I don't need now, regardless of how much I want it.
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
im a bit of miser too now . sometmes this all gets my hubby down , we are both in our 30's and he finds it hard never having money in his wallet. this has made us stronger as a couple , got into debt together and getting out of it together . i think we have learned our lesson early on in life and its a mistake i have no intention of making again .the sad think is i cant believe how easily it got out of hand ! my youngest will also b 6 when we get out of this. my son is 18 next week and in the army , he is waiting for payday an came home to see his girlfriend , he asked me to lend him £50 , so hard telling him i have £30 til payday, fortunately grandma came u trumps again . as noone in our family knows about our iva. id love to be able to give my lad £50 and tell him to forget about paying it back. so when all this is over we will have a spare £540 per month, and i want some fall back money, when things go wrong like washing machine . i also want some policies that will mature and give us lump sum later in life and another private pension to add to our nhs ones. my dad died couple of years ago, he was in his 60's . he was a bank manager and he would be devestated if he knew the mess we were in . he was always frugal . he set mum up for life. she sold her house for 500k , down sized ... sort of( to another large house ) and paid cash for her house . money in bank , new car, but lonely. i want to be comfortable in later life and not worry about paying my council tax, car tax etc with out having to scrimp . so as much as i want my new cars and holidays , im guessing my reality is very different . but those dreams keep me going, they make every dark day a little brighter. but most of all out of this iva , i have a stronger relationship wth my husband, rarely do we argue and that to me is worth more than anything money can buy me .
I know just where you are coming from. My parents would be mortified if they knew how much debt we were in.
Me and hubby are both stonger now as well.
My hubby always jokes that he's not allowed money as it goes into my purse! He's not bothered whether he has any or not.
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
I just want to go travelling, which I haven't been able to do since being in an IVA, but I foresee that being a challenge as most hotels want a credit card deposit when you book in which I don't have, and I think I read somewhere that they won't accept pre paid cards as a deposit.
Oh, and I do have my eyes on a Sony 52" TV which should be cheaper by the time I finish my IVA!
It is the thought of being able to do these things that keeps me going!
You can probably get a Vanquis credit card, which is high interest but if you pay it off each month won't be a problem.
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
Molly, your situation sounds very similar (almost identical) to hubbies and mine. We too are stronger as a couple and rarely argue (it's not worth it) and local authority employees.
At the end of the day what is done is done and we can only move forward, thats the way we view life now and it seems to work.
It's good to hear that people still have dreams and there is a light at the end of the tunnel.
shy bairns get nowt, the worst your IP can do is say no!
You have to have your dreams, otherwise you'd go mad!
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
I have been thinking of the same thing for the last few months. I want to give my mum some money as she bought my another when mine failed. Once thats paid I want to save so I have a "safety net" as I would used my credit card for this before my IVA. After that I want to go on a nice holiday (not been anywhere since my IVA started), later in the year I want to enroll on a Degree.
Having a dream really kept me going over the course of my IVA.
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 talk about this all the time. With just over a year to go we are now seriousley discussing what will happen. Discussions in the past have been pipe dreams and have always changed. You knw - a new this, a new that.
I think what we are going to do is take the kids away for 2 weeks ( i have never been on a fortnight holiday before), and then we are going to start saving for a deposit for a house. We are in council at the min but dont want to buy it in case we cant sell it later on. We would rather save for a deposit for a few years and then find a house we really like that we will stay in for many years.
We also are looking forward to paying for things right off like car insurance, maybe council tax, tv licence SO that we dont have loadsa direct debits throughout the year.
But i think when we first finish we are going to have a few nights away on our own in a hotel just relaxing. xxx
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
Wow what a great question you asked Barb and some great responses. Dreams - seem so far away as we have yet to get our IVA approved but just reading all of yours give me hope.
I only hope that one day i can put our dreams on here and fulfill them. Saving a deposit for a bigger house, family holiday with the boys to Disneyworld blah blah - I can't even dream these dreams yet!!
I hope everyone on here has their dreams come true xx
Debt free by 2015 xx
Wants to thank this great forum for the help so far
Holiday is my first priority. We did manage a week away last year courtesy of daughter, but that will be it for a few years.
Helen and I are going to do a storm chasing holiday once I can afford it - can't wait!
I also intend to sell my house and move abroad to somewhere that has no snow![:D]
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
I'm coming up to nearly a year in my IVA and the first year has just disappeared which isn't a bad thing! I do have to agree that it has certainly my relationship with my wife much stronger, especially as she only found out about there being any debt few months before the IVA started. She has not only looked past that but we are a much tighter unit and therefore once it is all over, I intend to take her and the kids away on a nice relaxing holiday where she can just let the stresses of the past few years disappear. I hear Dubai is very nice all year round!
well my dream came true today . confirmed year 6 in lieu of equity . another 18 months then hopefully i can start living some of those dreams .
storm chasing jan !!! me and hubby always wanted to do that down tornado alley usa ...... fab. best start saving .
