www.iva.co.uk

Hello all, well if my calculations are right we are 5 months down already - where have they gone to?!!
Well we are coping very well although i have to say with 7 family birthdays, christmas and car tax coming up I am wishing we had tried a little harder to either buy a little something each month or at least save a little harder.
September is my worst month income wise too so maybe I am just fretting a little unnecessarily
Still feel great knowing we are surviving using cold hard cash instead of plastic - although when hubby tried to raid piggy bank for a few quid for some mints and lunch and i flipped out that we can never save if we keep "dipping in" made for a pretty tense morning of silences - i know i was being unreasonable but i would be lying if i said it didnt get to me every now and then.
Anyway I hope everyone is keeping well and not feeling too blue about the weather xx

Excellent post Claire. Glad everything is going ok.

I think we all know how you feel. November and December are my worst months for birthdays. I always dread them.

Glad you're well Clair and coping within the IVA, I'm a bit like that with my hubby don't worry, don't do wasting money anymore! I'm sure my middle name is going to change to Ebenezer post IVA as I watch every penny x

You are doing really well - keep up the good work and you'll soon have the first year under your belts. It is the worst one most of my clients tell me!

This client would agree with that Melanie x

I'm now 6 months down! I can't believe it was this time last year that I was in the depths of despair and couldn't see a way out of my debt problems. However I would rather be where I am now, using my own cash to pay for things and not having the never ending calls telling me I had missed my latest payments. I admit I'm not quite there yet with the budgetting but I am trying. Two weeks ago I took the plunge and told my brother of my situation. That in itself was a relief and he was surprisingly understanding.I haven't told my parents as I don't want to worry them unnecessarily.
I have a few birthdays coming up so with Christmas as well it's going to be a tough few months. Thankfully I'm past the worse months with car servicing, tax amd MOT and I coped....just! I hope the next 6 months fly by just as quickly. Good luck Clairebear

Good luck to you too gwdihw, it's all about balancing the book and a good budget, you'll get there of that I'm sure.

Well done for telling your brother of your situation too and I don't blame you for not telling your parents, no need to worry them.

I'm sure the next 6 months will fly by x

Glad it's all working out and I admire you for telling your brother. Must be a weight off your shoulders.

Glad to see that you are all doing OK. Such positivity will encourage others who may be thinking of taking the plunge.