www.iva.co.uk

Excited it's finally payday on Thursday! That means another IVA payment goes out on Friday and I can't wait to tick it off my list...the next payment will after that will be the big 2 0. A third of the way through ***wipes sweat from brow***

wow hasnt that gone fast the way the time it is going the rest will fly by good luck and keep counting down soon be finished

Ticking is good, I have a excel spreadsheet which I tick off every month and enter the payment amount next to the month.

At the start it felt dishartening, looking at all the dates and blank cells next to them, but as you move closer to the end you feel a sense of achievement.

Seeing the final total on the page does make me feel a little sick though, as it just went over 40k and I think what that money could have done for me.

I'm going to save my IVA payment in a sepearate bank account for 5 years by standing order as soon as I'm finished paying the IVA.

i just alter my countdown on here. Can't cope with Excel at all, never been able to. As long as I can manage the day to day accounts then I'm happy.

My secured loan finishes shortly after my IVA does so I'm going to try and make some big overpayments to the mortgage to finish it sooner.

My sheet is only a page in my Filofax. But it has payment number, date, amount due to be paid and a tick where I've paid in full or a D for deferred and the amount. So it works pretty well for me. I do get antsy to make the next payment and tick it off about a week before it's due though. I think it's a good sign that when my bank text me I'd been paid today, I got excited about paying my iva rather than thinking about shopping. I love it even when it's only a trot around Waitrose sadly.

I cannot wait for payday!

Really bad month January for starting an IVA

Shame all the sales will be finished by then as I really need a new pair of shoes.

I highlight the dates at the beginning of my diary (where it shows in calendar form) and have a huge circle around 16th July! Its great to be on the same year page now. x

I'm actually a rarity these days in that I'm paid weekly. I don't like the first and last weeks of the month though, as that's when all my dd's are taken and my bank account empties.
Time to raid the copper jar...

Congratulations Broke!

I love payday. Removing the payment from my outstanding amount and seeing it decrease every month.

Not to mention i acutally have a bit of money to spend these days!

I like having a lot of money in my account - even if it is only for a couple of days!

To watch the counter go down however we monitor our journey has to be a great satisfaction for any of us within an IVA, I'm making payment 36 tomorrow...either 24 or 36 months to go depending on things! either way feels good. x

My hubby gets paid on the last working day of the month so we are absolutely loaded for almost 24 hours!!!!!!

It all goes in on the 15th and comes out on or just after the 16th. So I'm rich for one day too!!!

andrea1968 wrote:

My hubby gets paid on the last working day of the month so we are absolutely loaded for almost 24 hours!!!!!!

Then at midnight the Cinderella moment kicks in and your purse/wallet turns back into a pumpkin.

I know the feeling [:)]