Posted: Thu May 02, 2013 8:39 am
Just made second payment!
2 down....approximately 58 to go! haha!!!
2 down....approximately 58 to go! haha!!!
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Posted: Thu May 02, 2013 9:06 am
it goes quick doesn't it? we have just made our 3rd payment this year is going so quick!!
Posted: Thu May 02, 2013 9:15 am
Well done abbiesmum......it takes a bit of getting used to not having credit cards and loans to fall back on but you will find it easier as the months go by and the satisfaction you will get knowing that your only spending within your means is priceless.
Just remember that in 5 years or so you will be debt free.......i have always looked at my IVA payments as similar to that of my friends who buy cars etc on 5 year loans.....just I havn't got the new car lol.
Just remember that in 5 years or so you will be debt free.......i have always looked at my IVA payments as similar to that of my friends who buy cars etc on 5 year loans.....just I havn't got the new car lol.
Posted: Thu May 02, 2013 10:04 am
I had a simple spread sheet that listed the monthly payments with a running total of “paid to date” and “left to pay”. Little milestones like half-way point and IVA yearly anniversary were highlighted as well. Once you get through the learning curve of the first year, it’s surprising (and scary!) how fast the months click by! [:)]
Posted: Thu May 02, 2013 10:10 am
fabulous! one month at a time and it soon flies by
Posted: Thu May 02, 2013 10:14 am
Well Done!
It sounds funny to say it but I am looking forward to making my 2nd payment!! (looking forward even more to the last one tho! [:D] )
It sounds funny to say it but I am looking forward to making my 2nd payment!! (looking forward even more to the last one tho! [:D] )
Posted: Thu May 02, 2013 12:18 pm
thanks everyone. We are so determined to sort this out and be debt free. we are watching every penny but its also lovely to be able to buy the girls a new summer dress without panicking about card being declined. We accept we dont have CC to fall back on but to be honest they were maxed out so no space for spending/emergencys anyway! I like the idea of a spreadsheet to watch payments add up and debt reduce! Thanks for all your support and kibd words. Will be lovely to meet some of you in July at the FF summer get together!
Posted: Thu May 02, 2013 9:02 pm
Well done:) its fab to see the days and months go by knowing we're all one step closer to being finally debt free ! x
Posted: Thu May 02, 2013 11:34 pm
Well done abbiesmum, I've just paid my second payment too 
I like the spreadsheet idea! Especially as we pay extra payments into our IVA quarterly which are varying amounts, that way I could easily keep track of how much we've paid in so far. I'm on it
I like the spreadsheet idea! Especially as we pay extra payments into our IVA quarterly which are varying amounts, that way I could easily keep track of how much we've paid in so far. I'm on it