Well when you both finish your Debt Jan and Paul you can experience a debt free holiday with NO plastic and no dreaded bills to come home to. I have managed to put money aside throughout my IVA for the occasional cheap couple of nights away from travel zoo etc and I tell you what it's lovely knowing you paid in full with no bill to worry about coming home to makes such a difference whilst you are there.
Even after my IVA I intend on saving for things like I do now if I want them and pay in full. It all sounds good having interest free credit or 4 years to pay something back but really in the end you just pay more for something with the stress of knowing you owe the money and if you ever have job worries or pay cut you could very well end up back where you started in debt with not enough money to pay!
No, my new philosophy of once the money runs out I have to wait till next month works well for me and will continue to work well for me post IVA. Well apart from the occasional visit to the bank of Mum and Dad for an emergency like a birthday drink up lol. Hey I've always paid them back
