Posted: Tue Jan 01, 2013 10:44 am
we are finally on our last 12 months of our IVA, due to the extra 12 months being added (remortgaging clause). It has been a struggle a lot of the time, but a lot to do with me not doing the allowances right at the beginning (only allowing petrol for work, and not anything else!) and also our daughter becoming a bit of a star at gymnastics so the costs of training had to be found somewhere, and my husband loosing his job a few times.
HOWEVER, we are almost there, I am more careful with money and won't ever get into this position again, but this time next year I will be looking through holiday brochures to book a lovely holiday in the sun for us and pay it all in proper money and not on the never never!
For all you people out there wondering whether to do it, can you do it, and what will people say - just do it, it is a struggle, it does cause arguments, and is upsetting - but you get over these things and you don't have to tell a soul - we haven't. But I do smugly say we don't have any credit cards!
Happy new year to all, anhd thanks for everyones support on my infrequent posts
Andrea
x
HOWEVER, we are almost there, I am more careful with money and won't ever get into this position again, but this time next year I will be looking through holiday brochures to book a lovely holiday in the sun for us and pay it all in proper money and not on the never never!
For all you people out there wondering whether to do it, can you do it, and what will people say - just do it, it is a struggle, it does cause arguments, and is upsetting - but you get over these things and you don't have to tell a soul - we haven't. But I do smugly say we don't have any credit cards!
Happy new year to all, anhd thanks for everyones support on my infrequent posts
Andrea
x