so i am waiting.. waiting to see if my IP has accepted my I&E form and for the report to creditors which is due for March. Its a lot of waiting in an IVA, waiting for your proposal, waiting for your creditors meeting, waiting for you annual review, waiitng to see if its all ok, waiting for the next pay day, waiting to make another payment closer to the end!

Waiting… waiting… its a good job i dont mind queues… you can day dream. It beats waiting for the credit card bill, waiting for the phone call from the bank to tell you your overdrawn “would you like to extend your overdraft take out a consoldiation loan! …..

so i have completed my annual review income and expenditure form and its in the post (thanks to everyone on the forum for their help). I feel sick as a dog now (no offence to dogs..!) i am petrified I am going to have try and raise my payments by even more, at the proposal they were £385. With my promotion this year i have been able to increase that to £578. however the 50% surplus i got ended up being used to pay for ever increasing utility bills, food and petrol. Honestly i am just surviving at the moment.. there is no glamour in an IVA… I am so commited to making it work - i just hope my IP understands this and accepts that my increased expenditure in some areas is just part of the increases everyone is suffering.  So far my IP seems realistic so fingers crossed.  Well i will keep you posted with my nail bitting wait… i am not sure if i can do this for another 4 years .. my tummy feels like its on a rollercoaster and at last night i couldnt sleep fretting about the process of theannual review.. it felt like how life was before an iva (creditors phone calls etc) well i managed to buy a cheap bottle of plonk for this evening so i am off to drink that and snuggle up with my cats!