www.iva.co.uk

because i am a sales rep i often call into motorway services to use the toilet etc etc

their is often people their stopping you to take out a credit card.

now unless your in an iva or an ip most people dont know what an iva is. so to make it simple i tell them i am BR, you think that would put them off, it makes it worse, they think you are lieing cause you have money and push push i think it funny.

sometimes i say i dont need credit cards and they look at you as if to say" everybody needs a card its a great feeling

yes thats why i laugh to myself when i walk away.

I am currently hoping if my f and f is accepted, it will change my life, been an iva as made me budget, made my understand again how much things costs, i will never take credit again unless i buy a house. and live by the fact if i want something i save up for it, ie a car or motorbike knowing that i deserve by saving and it will of saved me a lot of money instead of getting it on the tick

No more credit for me either. The only plastic in my purse is the prepayment card, my cash card, prepayment certificate for my tablets and loyalty cards.

There's lots of gaps where the others used to go.

I shall be able to buy a smaller purse next time!!!