Hello dear reader,
I didn’t realise it had been so long since my last update, June 2011 seems a long time ago, almost a lifetime.
So, what’s happened in that time in my world of IVA? You know what – not a great deal. It’s not all been plain sailing, but I rarely think about it anymore. It’s like the end of a relationship….
After the initial euphoria, the excitement of being accepted, and the thought that in five (or six) short years I’ll be debt free, there is an element of realisation. The realisation that I am officially insolvent. And that credit, which for so long as a part of my life, had left me without as much as a “goodbye”. All I had left were the memories, and that entry with my name on it in the insolvency register.
The months have progressed, and when things are going well, you forget about the good times you and credit had. But you’ve moved on, your happy now. But every now and again something will make you think about the good old days. Something in the sales which is a bargain (relatively speaking), but I’ve not got the cash. Where’s my credit card? Oh yes, we split in June. Keep on walking soft lad.
Anyway, I digress….
Things aren’t the same as before – Christmas was a challenge, but with some saving everyone had a great one. There was no difference. Kids school trips have to be paid for, and you manage one way or another.
And of course there has been the car emergency that seems to blight every IVA – but my firm were accommodating, and allowed me a payment break. Any advice I would give is just to talk to your IP or firm. They’re usually a decent bunch!
So the gist of what I’m saying – it’s not all awful being in an IVA. It’s hard (sometimes). You forget about it (sometimes). And planning prior and during is a must. Don’t undersell or underestimate your figures. They have to be realistic to your individual circumstances. And that makes life just a little easier….
I’ll not leave it as long next time…