www.iva.co.uk

I have just reached the end of the first year in an IVA, I know compared to may on here who are either half-way through or almost at the end of the journey its not much

However it has shown me that I can live without credit cards etc and how I wished I could just turn back time, but I can't but I feel a lot more in control already than I did a year ago and no more sleepless nights...it hasn't always been easy and it will always be full of ups and downs, I would also like to thank this forum for all the support for the fist 12 months.....so now all the forms to fill in for the I&E and off we go again

Regards
Clanger

It's a great achievement! Keep going and it will all soon be a distant memory!

Well done we've almost done six years and now live without credit.
God knows what I will do when I have all the extra cash (572) a month
But never again will I have credit cards

Hi Clanger - nice to hear - a whole year down, well done.