www.iva.co.uk

Well, its 3 days to pay day and my bank balance is £3.15 credit....love it!!

And, next payday my 6th payment towards my IVA will be going out...thats half way through year 1!!

Can't believe how quickly its going and how it has to have been one of the best decisions I've ever made!!

Good luck everyone however far into the journey you are the long and winding road isn's sooo bad!! xx

Hi debt attack.

Time does fly by, and we are 3 payments down already. Unfortunately our winding road as hit a few bumps just recently, with me be made redundant 2 months into our IVA.

There is a glimmer of light mind you, as a job offer may not be too far away. Hopefully then we can continue with our IVA journey on less of a bumpy road.

I would agree it is a better decision of ours to pursue an IVA, has opposed to opting for BR.

debt attack wrote:

Well, its 3 days to pay day and my bank balance is £3.15 credit....love it!!

And, next payday my 6th payment towards my IVA will be going out...thats half way through year 1!!

Can't believe how quickly its going and how it has to have been one of the best decisions I've ever made!!

Good luck everyone however far into the journey you are the long and winding road isn's sooo bad!! xx

congrats on the six months.

It's amazing how quickly you can get used to budgetting properly.

I messed it up for about the first six months, never still with money left (owing mates a few quid ) ) but you soon tighten your belt a bit.

Good luck for the next 54 payments

The budgeting gets easier as time goes bye,problem is plrices rising all the time really do stretch the old cooking imagination!!!

Paul

It does get easier and I'm glad you're doing ok debt attack.

Sinking Fast, I hope you do get a job offer soon.

As to the cooking - I leave all that to hubby!

Well done debt attack.
It is a nice feeling just being a few pounds in credit at the end of the month.
We are probably the best off we have been most of our working lives. Not saying i am rolling in cash, but it is nice to have a positive balance at the end of each month and not having to pay any pesky credit cards or loans.

Yeah have to agree with all post on here. I find it exciting seeing a postive bank balance. One we've probably never had unless its actual pay day. So far our road has been a postive one and heres hoping long may it continue. i thought the time would go slowly but here we are come this weekend 6 months in already. Scary really, but all the closer to being debt free. good luck all

Thanks Kallis.

kallis3 wrote:

It does get easier and I'm glad you're doing ok debt attack.

Sinking Fast, I hope you do get a job offer soon.

As to the cooking - I leave all that to hubby!

£3 in credit feels alot better than £30,000 in debt.it does get easier,and you become a lot better with budgeting without credit trust me.