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>

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