I haven’t update this blog for a long while, or posted on the forum, but regularly check in to have a look.
Well I have completed my 1st year in an IVA and I can not lie it has been a rollercoaster. I have a hard 12 months adjusting to the budget and I still have not managed to get on top of things. I only hope that the next 4 years get easier. I have just completed my review, sending back all of the required information and I am now currently waiting on the outcome, hopefully it won’t be long in coming I don’t expect the payments to raise to much.
I started a new job in September a job in the field I studied at uni, which I am enjoying. I have managed to pass my 6 months probation which is good, I was secretly hoping for a pay rise but no such luck LOL!! I have been told that normally happens after a year. The construction industry in which I now work is really booming at the moment, so the chance of career progression is really good.
Christmas and new year was hard, like I guess it was for many. I felt really bad that I was unable to get my son a Christmas present. But he got so much which totally made up for it, and he totally understood that mummy was finding it hard this year. At 9 years old he really is an understanding and appreciative boy.
I have noticed that there recently have been a lot of programmes on debt lately, it seems that debt in growing as incomes are stagnant and prices are rising. I was thinking of all the money I had borrowed and spent over my time and if I had just saved the money which I used to pay towards credit and made better use of it I could be in a better place right now.
I started my debt journey in 1998, with my first store card at just 18, it was the start of things to come. I really regret saying yes in that store. I managed to get a loan, and then more credit cards and so the cycle began. I even paid off all the credit from a house sale many years ago, but then started it all again shortly after. It is such a shame I have nothing to show for any of it. Yeah I have had nice holidays, bought nice things but really where is it all now.
The other day I got the news that my son’s father is getting married, I may have mentioned before that my son doesn’t really have a relationship with his father, much to his own doing. However, even though we have been apart for 6 almost 7 years this news really upset me. Especially when I am struggling, and he attributed to my debt problem. Indirectly maybe but nonetheless he played a part. It is now really hard seeing him moving on with his life getting married, especially as I am single.
I have so much to say with things that have gone on over the last few months but I must stop there, I need to go to bed LOL……
….apologies for the post I really just had to say what was on my mind. Many thanks for reading, I won’t leave my next post so long next time.
Bye for now…..