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Posted: Mon Dec 22, 2014 10:26 am
by ivamess
Just wanted to post to wish everyone here a merry Christmas holiday and that you managed to achieve what you wanted to on your budgets! (We did thanks to hubby's incredible way with spreadsheets and money so everything was maximised).
I am so grateful for everyone here and the help and support that you give freely and without bias, both professionals and fellow IVA-ers. I hope that 2015 is as good a year as an IVA allows for all of us.
Thanks especially to all the other Creditfix-ers whose support is invaluable in a time of uncertainty. I am sure we will stick together whilst the mess is sorted out and between us, make sure that nobody is taken advantage of.
Ivamess.
Posted: Mon Dec 22, 2014 11:02 am
by Foggy
And a Merry Christmas to you, Ivamess and to all forum readers and posters alike.
However you celebrate this time of year I hope you all find peace and enjoyment and, let us hope that 2015 brings us good fortune.
Posted: Mon Dec 22, 2014 1:47 pm
by abbiesmum2003
Merry Christmas to you all too! We have managed another christmas without a CC and thoroughly looking forward to not receiving January CC statements unlike many of our friends! Will see what 2015 holdsin store especially when review due in April!
Happy Christmas X
Posted: Mon Dec 22, 2014 1:53 pm
by relieved33
Merry Christmas one and all! Thanks to all for your help in 2014. Keep going, it's worth it in the end! Best wishes to everyone for 2015!
Posted: Mon Dec 22, 2014 2:45 pm
by welshwiz
Merry Christmas, our first Christmas without debt or iva for 23 years it feels great, keep going everybody there is light at the end of the tunnel
Posted: Mon Dec 22, 2014 2:54 pm
by ridingthestorm
Merry Christmas. Its been the best 9 months since being in my IVA and have learnt how to budget very easily and to respect money. I'm also glad that there's a big presence of Newly transferred CF'ers and hoping we all stick together for the unknown and show them we won't be mucked around.
Posted: Mon Dec 22, 2014 3:44 pm
by Shining
Merry Christmas to every member of this forum as we all joined for our own reasons and whatever they are, I hope Christmas is a very joyous for you and the New Year brings health and happiness.
Posted: Mon Dec 22, 2014 4:01 pm
by ivamess
NO CREDIT CARD BILLS IN JANUARY!!!! Hooray. First time ever
Posted: Mon Dec 22, 2014 5:49 pm
by abbiesmum2003
Its a great feeling Ivamess!
Posted: Mon Dec 22, 2014 7:40 pm
by seagulls
Happy Christmas to you all !
This is my first Christmas without debt or an IVA .The habits I have learnt during the IVA will ensure I never overspend again.
I wish you all a Happy and Prosperous New Year !
Posted: Mon Dec 22, 2014 10:17 pm
by hubert
Merry Christmas to everyone on here too [:D]
January with no credit card bills is bliss indeed...
No twinge of guilt using those already over-stretched cards.
[;)]
Posted: Tue Dec 23, 2014 1:18 am
by in-a-mess-indeed
Merry Christmas to all too, an avid fan of this site and the support that has helped us through our journey thus far, we just never have the confidence to advise others. knowing we have made another crimbo that we have "paid" for is fantastic feeling without the worry of trying to find the money from January. Thanks for another year of posting guys and gals keeping us silent shy ones fully informed and feeling good about the IVA route we took
Posted: Tue Dec 23, 2014 2:36 am
by luluj
Merry christmas to one and all!
Posted: Tue Dec 23, 2014 8:25 am
by mrsbee
Merry Christmas - here's to a great 2015
for everyone!