Hello world!

Welcome to Blogs.iva.co.uk. This is your first post. Edit or delete it, then start blogging!Three years ago I became a part of the IVA world.  My debts were big, oh believe me, they were in anyone’s book! At first they were manageable, but then the card companies started to rack up the interest rate.  Then my husband didn’t work so didn’t pay the mortgage, so I had to.  From my cards, where else?Sometimes I don’t believe it myself.  I had to make a decision, it was causing me sleepless nights. So I approached an IVA company and after an initial stall from one of my creditors, it was agreed.That was three years ago.  So how are things now? Never, never let anyone tell you that this is an easy option.  Is it hell!I have a good job.  I earn what people would say is a good salary.  But I have high travel costs and with the monthly IVA payment, almost two thirds of my pay are gone.  I should be able to enjoy life, have holidays, buy clothes.  I can’t.  My husband has hardly any work, all he has is a pension.  There is a lot of strain in our relationship, and at this time, I feel the likelihood of us staying together is barely 50:50.I’ve become a human calculator, my brain is constantly working out the best deals. How to save money.  I obsessively collect “points” on loyalty cards.  It’s funny because in my job I look after large amounts of money for projects I work on.  My employers regard me as a “safe pair of hands” and someone who gets value for money and helps their profits.  They don’t know it’s because that is my life – saving money and trying to keep my head above water.  They regard me as a “sorted” person.  I could laugh at how ridiculous this view of me is.The debts are going down, in fact, I’m well ahead of what I should have paid thanks to some PPI refunds.  There is a light at the end of tunnel, but at present it’s very dim.More soon …

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