www.iva.co.uk

hi there...i have just updated my blog ....cant decide if i have been far too honest or what...and wondered if folks judge what is written....maybe????

Oh TOL, it took some real courage to put all those thoughts and feelings into your blog. Of course, I would never judge you; your story is one that is so familiar. You are just describing the spiral that all of us in debt have encountered, the downward spiral, that when you hit the bottom, it's time to get things sorted once and for all. Just think, you are now climbing back up the staircase again and when you reach the top, you will have completed your IVA and will have come so far in your journey.

Do you know what I mean by the charity domes that you see in shops, that when you drop a penny in, it whirls round and round until finally it drops through the hole at the bottom? Well that's how I think of my journey, I spiralled downwards and when I dropped into that hole, it was very black and lonely. I am now climbing the ladder to get back out of that hole to see daylight again. Does that sound crazy?

I have loved reading you blogs, they are so honest and you speak from the heart. Well done for achieving what you have so far on your journey, you're a real inspiration to all on the forum. Good luck hun. Kazzy x

Hey TOL, I find your blog refreshing. I think it's great that you can be so honest. I enjoy reading it every day and I hope you enjoy writing it. I'm not going to judge you AT ALL. As Kazzy says, you're an inspiration. Keep blogging![:)] X

I agree with kazzy and Viki.
Your blog is there for writing down how you feel. Nobody here would judge you for that.

Its great bye the way xxx

No one here would judge you TOL, you have been very honest and very brave. I did a blogg some months ago myself, but I had it deleted. I just couldnt cope with it being there, I dont know why, it just bothered me. I wasnt brave and although I was honest and it was really helpful to write it, I was just scared.

No judging from me - or hopefully anybody. Plus, after reading it I realise hopefully we'll meet you at FF in Slough in a few weeks

Your blog is excellent TOL, and I certainly wouldn't judge you. It'll be good to meet you at Slough, and you Suzanne x

Excellent Blog TOL - nothing to judge you for as we all have a past that led us here - I am just very proud to be allowed to read your struggle so thank you for that - it gives the rest of us hope xxx

thanks for encouraging words...it does get very scary being so honest...vulnerability isnt an easy thing is it??

freelili...was interested to know you had erased your blog...all day i have been thinking i would do so too...hhhmmmnnn

No one is going to judge you TOL. We've all had our moments in our journey to be debt free.

having just caught up with some of the threads today....there seems to be some controversy re "negative postings" on forum and those passing judgement ....and some having their accounts removed and frozen...

it does seem as tho some people "do "judge....i would hate to think that anyone saw my blog and thought...
"what an absolute idiot ...for getting into that mess...and over years and years too"...
believe me...i dont need anyone to tell me this...I KNOW.....

ADMIN...if you think i need to remove anything from my blog i am happy to do so???i guess its only the last entry i am really worried about.....
its very confusing this world of debt isnt it...feel very conflicted today and unsettled with all the different posts

TOL

I had my blogg removed for completely different reasons. I have been here for two years and I can tell you, those posts are few and far between. I came here initially as you did, wanting to sort out my debts. My journey took an unexpected turn, I have tried all ways to come to terms with guilt. I wrote it all down in a blogg and although it was 'good to get it out' it only made me feel more ashamed. Hence the removal of the blogg.

Your blogg will help many people who feel as you do (and I have read it). Mine wouldnt have. The truth is, I wanted the debt problem back, it was easier than the reality I was facing. No matter how many times I come here I will never find an answer to that.

If someone chooses to stick the knife in when youre showing your vunerable side, I would say they have a problem, not you.

Please keep blogging, you will be of help to so many.

lily...i am sitting here with tears in my eyes...can identify with what you say about the guilt and shame and also about wanting the debt problem back....reality is soooo awful that sometimes it is better to live life without facing up to it all

i would have loved to have read your blog....

i still have conflicting thoughts re my blog...

i do know that facing up to the inner emotions has helped me to put it all into perspective....and i do believe that many people havent yet come face to face with the reality....life with htis kind of debt is NO life at all.....

are you going to slough or birmingham???Frugal friends???

Tol, I can totally equate with your blog. We have been there too (with the exception of the moonlight flit, but don't think I wouldn't have done it if I hadn't been working for the police service!). Everytime I have got out of debt I have said 'never again'. This time, I mean it. We are getting used to dealing with cash and in five years, I will have more disposable cash than I have had in a long time.

The only people who have had their posts removed and been banned recently are those who have judged and have been very controversial.

You have been totally honest and bared all your feelings. There is no shame in that.

If you are able to go to the FF in Birmingham, I would be honoured to give you a hug!

Lily, I can understand your stance on the matter as well. I sometimes wish I still had that card to fall back on when I see something I like.

The genuine posters on here do not judge. They are here for support and advice, both giving and receiving.

Don't ever give up, either of you.

thanks kallis...i think the main difference between dealing with our debt this time ..is that we have taken out a contractual agreement with legal standing ...IVA....whereas before we had only tried to "do it ourselves"
this has meant ...as we all know...dealing with IPs and courts and I and E and reviews etc

it makes a huge difference to know there will be consequences if we dont toe the line

this is why i am 100% sure i will never go down that road again...
and i really dont want to be a "bag lady"..LOL

maybe at birmingham..we can do a
"telly tubbies"...BIG HUG.