www.iva.co.uk

Well I've completed my 1st yr [:0]

Cant belive how fast its gone, my 1st yr has been tough at times, but I know im on the raod to debt free life[:)]

Oh well heres to the next 4 yrs xx

Great news Tinytori . Well done.

Ang x

It does go pretty quickly... I think alot of it is due to the routine of everything, money comes in, bills get paid and thats it. When somethings boring looking back the time disappears!

Well done Tiny!
mine flew by too! I used to dread the end of month trying to balance the books. It's now stress free!

Well done from me too Tory. I'm only 3 months in, but that time does seem to have flown by.

Good luck for the next 4.

i am please for you to me i have been in one for 3 years it feels like 20 years hard labour!!![:0].I think if you dont have any kids it must be easier because adults can make do with nothing but when you have kids its hard on them.

[:D] thats brill tinytori ! hope the next 4 years go quickly and smoothly for you.x [:)]

Well done the other 4 years will fly by. [:)]
I have just under 2 to go, 19 payments to go.[:D]

Heres to the next 4 years

Jan

well done.It's absolutely true that the stress reduces dramatically when we're back in control.Sure I get fed up.Money very limited.However, it always was.Especially by the end.I just didn't add up the cost of the credit...I have just been to a friends.She has 40 p in her purse.No IVA etc.I had £45.It's accounted for, but I still had it.I actually loaned her some till wednesday.Would not ever have thought it this time last year.Cat

I can't believe it's a year! ... seems like only yesterday [:)]

Debbie

Well done, hope it all goes well for you, not long now.[:)] X

Well done tinytori, I think that's great, just proves we can live without credit. I will be a year in August and I can't believe how quickly the time seems to have flown by and that I actually managed just living off what I earn while paying towards my IVA. I can't save anything yet so I think more cutbacks are inevitable for the next 4 years. Cigarettes will just have to go!! I smoke and I feel guilty about that!

Maz

congrats on your year in!!
You seem to be managing well!!

Maz.... I gave up smoking a year ago and the way i did it was worked out how many pack i bought a week then times it by 52 then times it by the amount of years you have been smoking (on todays rates) youll be shocked i did it and was like £17k over 11 years so i quit and now paying more on my DMP because of it!!

Wow tori i can remember yours being accepted and it really has flown by.
Heres to the next 4 years xxxxxx

thanks for all ur replys, just cant belive its been a yr, but what a b***** yr its been. Good luck to everyone xxx