thats it! i have done one year into my 4 year stretch with my faithful pal IVA. its been a difficult first year and we have  learnt alot together, especially about budgets and value products. We have had some embrassing times, having to make excuses not to go on nights out or turning down girly hoildays. But we have had some amazing times me and my IVA, we have bought all the christmas prezzies with real money! We have slept easy at night without fear of the post in the morning, and we have become all lot happier all round.

I am expecting our annual review paper work soon, so i have started to plan for this saving utilites bill showing the increase in payments , petrol receipts etc. Hopefully there wont be too high an increasr as i have been lucky this year with a pay rise and a promotion and have upped my payments accordingly.

As much as my love/hate realtionship with my IVA continues, i confess i will be happy when it comes to an end! But for now i will keep on with my paymets! ¼/p>

was last night and it was all FREE…. a word i am in love with… lots of wine and a lovely 3 course meal… i had an excellant time and because i didnt have to pay i didnt have that slightly stomach churning moment looking at the menu trying to add it all up in my head.. remeber how much cash i have in my purse… because there is no golden credit card to put it on. In fact i never managed to get a gold card until i got into an IVA odd isnt it.. i now have a gold cashplus prepaid credit card….. very impressive.

Have you noticed how much publciity those cards are getting now… ! they are fantastic idea and have saved me from some embrassing situations… people who deal in cash only do get funny looks sometimes… well i do anyway.

right well i have a hangover to attend to…a free hangover at that!