www.iva.co.uk

Got my first year review tonight, where has the last year gone [:)] I've had some down days but overall I have coped alot better than I thought I would and looking forward to it getting even easier over the next year and beyond[:)]

Although I must admit I am a bit apprehensive, probaly because it is my first review and my circumstances have changed in the last year, thankfully for the better. I have sat down over the weekend and gone through my I+E and was quite surprised on how much things have gone up, car insurance up £20, fuel up £50 etc.....

My Total expenditure has gone up by about £230, has anyone else done an I+E recently? if so how much did your go up by?

I have worked out that my disposable income has gone up form £160 to about £211, will I need to pay the full £211 into my IVA or is there a percentage?

Wish me luck guys

Good luck Mark, I'm sure it will go ok.

You might have to pay some of your extra DI across. I think it depends on your IP. I didn't pay anything extra across this year.

Thanks for the support guys.

Hi Helen, its being done over the phone. Got to rush home from work to get the call [:)]

If it's anything like mine then it won't take too long. We then had a phone call a few days later to tell us the payments would remain the same.

All over [:D] not to bad, may have to provide proof of my car insurance as it has gone up from £54 to £75 a month[:0].

Monthly IVA payment increased by £75, cant grumble some allowances increased for clothing etc [:)]

Can you afford the extra? It does come to a little more than you said your extra DI was.

Increase Should be fine Jan, I was working a bit from memeory in my earlier posting as I was still in work and just got a bit paniky thinking about it [:D]

Roll on next year......Hopefully will no more major chnages [:)]

That's good then Mark.

Hope this year goes as well as last for you.

Well done Mark, 1 own 4 to go then freedom for you and your future