after alot of waiting! my review went well … as i had already increased my paymetns in line with salary increases throughout the year my IP was happy with my payments and there were no surprises…. thank god! (or which ever you chosen belief is!)

 So the second year begins, a part of me believes i have learnt my lesson about managing money however, i am sitting here with £30 till pay day.. which is the end of the month. I have to put petrol in the car, buy food, expenses for work…. I have done it before and i now i will manage but it makes me realise that being in debt is not all down to the evil corporate credit machines and banks ,,, throwing your credit agreements, begging you “to buy now pay later”…

I have decided that in my second year of my IVA there is no point in reflection…trying to work out the reasons why i got into the situation and thinking how i am going to get out of it. I feel like i have spent the last 12 months pondering and to be honest the reasons I am rubbish with money and got into debt just go on and on…

I think my second year will be marked with living!  It about time i lived.. ok so i am not exactly going to be able to do everything i want.. or think i want… but i am going to have think outside the box.. “that it all costs money” and start to think about just living ..living with being in budget!

So with this in mind..today i embarked on “how to go for a drink after work without paying”… it was surprsing successful.. all though a tip for others not sure you can repeat this one to much without being labelled a cheapskate ..LOL

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