Because I am bound to forget ......

[Foggy]

I would just like to wish everyone on the forum the best Christmas and a peaceful New Year.

I hope that your celebrations are what you wish them to be and that you all enjoy however you like to pass the season.

2012 is likely to be a burden to all of us (those of us in, just out of, or contemplating a debt solution as well as our experts).However, remember, us "insolvents" are the ones not increasing our financial woes, and, with a bit of hard work and discipline, are soon to become debt free. There will be many things to challenge us in the coming year, but we are, at least, now the masters of our finances!

Anyway -- thia is turning into a speech, so I will quit while I am ( I hope) ahead [:)]

Have a Great One Everybody!!!

[kallis3]

And to you and your famiy Foggy.

My 2012 contains a lot of stress at the beginning which I will post about once I have dealt with it. My IVA is not the least of it!!!

[Julie]

Same to you foggy and everyone else [:)]

I'm hoping for a good year, as it will see the end of br payments and car lease. More importantly, I'm hoping with all my heart for good health for my nearest and dearest, who have been through a rough year.

Hope whatever you have to deal with, turns out for the best Jan x

[kallis3]

Thanks Julie - glad that your payments are coming to an end and you can be debt free. I hope that your family continue in good health.xx

[lem]

Well said Foggy, good luck to a fresh start for you Julie and Jan I hope everything works out ok for you too.

[Shining]

All the best to you Foggy and to every poster on the forum eitehr looking in or actually posting. x

[Skippy]

Well said Foggy, and all the best to you and your family for 2012.

Jan, I hope everything works out for you.

Julie, good luck with your fresh start.

For me 2012 is going to be an exciting year with planning for our wedding, which I never thought would happen 5 years ago when I was struggling with my IVA.

[Julie]

....and we are all looking forward to you and Dave making Harry legitimate at long last Skip [:)]

[footiemad]

Fine words Foggy - best wishes to you and your family also x x

[kallis3]

We'll get there Skip!!

I'm looking forward to your wedding - you've waited for it for so long.

[Shining]

Can I just quickly impose and share, hubby just come back form his Mum's we bought her personalised stationery for Christmas as she's taken to writing letters to us all!

He came back with a bag of unwrapped second hand presents, random items that include a bike lock, a sexy nighty, some knitted dolls clothes and a teddy that has written on it 'to a special niece'.

Bless her, she really is in a world of her own!

[kallis3]

I bet hubby is looking forward to the nighty!!!!

Bless her though - she hasn't a clue has she? You have both got the patience of Job - don't know whether I could be as calm as you are!!

[Shining]

You have to laugh Jan, ooh not the nighty for me it's one of them made in the material that create static and that's not an attractive look for someone my size!

Annual car boot will be next May/June time so it all helps!

[kallis3]

[:D][:D]

I have visions Lesley!!!

The car boot sounds about right!!!

[Skippy]

[:D] Lesley!!!

Julie, Harry won't have to be double barrelled on his FB page after next September!

Jan, we'll have been together nearly 15 years but the time we finally get around to it! And as I'm planning on making the most of it we'll have our delayed honeymoon in Florida to look forward to!