www.iva.co.uk

Well hubby has had first payslip without continental shifts and very little shift at all.. we're approx £300 down.. (if has no shift at all maybe about £450 down) trying to work out finances is a nightmare.. hubby has more petrol as now at work 5 days aweek intead of 7 a fortnight!! Emailed IP, so hopefully we should be able to work something out.. Any ideas anyone on how to economise on living economically!! [:(]

Ang - not good. I hope you can sort something out for your IVA. You've done so well so far. I really feel for you both.

I received hubby's e-mail today Ang, but was lecturing at a conference all day. Tell him I will get back to him tomorrow.

Ang, hopefully Melanie can help you, she's always come up trumps for me and I'm sure she will for you. Thinking of you x

Hi
Sorry to hear about your reduced wages it is a nightmare when you are struggling anyway. So many people seem to be suffering at the moment you wonder when it is all going to end.

Liunda

Sorry can't even spell my own name properly now!

Hey Angela,

Hope you manage to get things sorted.

Also maybe a good idea to relook at your utility providers (gas/electric) to see if you can save any money by switching there are always new deals in the market place, I know this will not be make up for the amount you have lost but hopefully every little will help.

Take care

I'm sure Mel will sort you out Ang.

Hope it all works out ok.

thanks everyone. hubby has sent in new expenditure thingy, so hopefully all will workout. Thanks Melanie, I know you're busy x

I'm sorry that you're struggling Ang. I hope Mel can help you xxx

Fingers crossed Ang.

Sorry to read your having a hard time. I had a few moments like this in my IVA.

As for saving money, I would recommend the following -

http://www.petrolprices.com/

You can register and get emails of cheapest fuel in your area.

Bodycare is great for cheaper shampoos etc. but still good brands. I also am a big fan of Lidl and Aldi, and get much of grocery from there.

Other than that, I am sure your IP will be able to help you with your I&E review form. Just give them full details of your expenditure and perhaps send them copies of your payslips.

Good luck Angela.

I agree that petrol prices is a brilliant site. I have two emails a week sent out with the local prices.

Have to say that I can't stand Lidl or Aldi. I use Asda and Tesco and try and buy Smart Price or own brand when I can.

As regards shampoo etc, Poundland is brilliant for that and they are all excellent brands.

I don't consider Aldi to be cheap anymore in compairson to Sainsbury own brand and the quality of Sainsbury own is much better in my opinion.

I buy toiletries and cleaning stuff from Savers mostly on my way to work as it's close by and then go to Heron for a few bits and bobs on the way home.

asda have a new 4 for 3 aisle.. i got 2 deodrant and 2 colgate toothpaste.. and the same in some of the freezer things.. so i've been buying some of these.. birds eye chicken, pizzas etc..