Advice please-

SM1974

Evening All-

Just a summary of whats happened in my life since realising I was ruining it-

Summary-

44k Debt

Sold Mini Cooper S 8k
Flat leased 18 Months 10k
Bonus from work 5k
Other input from wk salary 5k
Private business venture 1 YR 11k

Total Repaid- 39k

Also on one of my loans that was over 5 years I had a settlement of 8k- ( interest was around 1000 for the loan) - i took a loan of 8k over 12 months for interest of 450- settled the old loan & only have 4 months left on this yearly loan-

I have about 6k more debt to pay off as well as clearing odds & ends-

I have given up gambling, I stopped going out so much, worked 1 FT job & created a NICHE business in a car sales market which is taking off-
Ive cleaned cars, Ive slogged-


Ive never been happier- in the last year I had 3 holidays......

All from that start point of realising I was going to lose my house- NO DMP or IVA's used- just elbow grease...

thanks
Steve

chivers1977

I thought that I was going to get to the end of this thread and your creditors had declared you bankrupt as your IVA had failed. How wrong was I!!! Well done you - such a turn around. Thanks for coming back to let us know