snoopydog6311
I echo what you say 100%
Having lived or should i say "scraped" within my means for the 6 years of my IVA, i really have learned the value of money which perhaps, as I hadnt used any of my own for perhaps 10yrs pre IVA, I had forgotten
I still find it strange when I dither over potential purchases these days; even though im awaiting my Certificate so have spare cash, I found myself today contemplating did i need to buy the Bold Gel Tesco at £3.49 just because it was on offer. Go back 7 yrs ago and I would have cleared the shelf !!
Like i suppose many posters on the forum, I have found the true value of money a little late in Life ( im 46 ) although in fairness I am rather enjoying my disposable income now, as in reality, the last 10 years ie 6 in IVA & the 4 years prior to that, I didnt have a bean to my name[8D]
Last payment made April 2012
Certificate received 1st Nov 2012