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A good Sunday feeling!
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MrFrugalFever
Posts: 1,301 Forumite
I knew it was coming but to wake up to a message and then seeing this just reconfirms how far I’ve come and the end of 6 year period that I’d rather not ever have to experience again. A very much welcome relief!
If you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing
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Comments
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The end of a long journey? Where do you want to go next?
Hope everything goes well for you.If you've have not made a mistake, you've made nothing1 -
Thanks RAS, I was fortunate enough to settle the IVA in October 2021 in full and re-enter the Financial Market without the shackles of the IVA and work towards rebuilding my history. My short term plan is to continue building a nest egg for a deposit for a property with a medium term plan to purchase next spring/summer.As hard as the IVA was (the initial decision to enter it and then the actual stages of it) I can honestly say it has changed my financial outlook/management for the better, I am absolutely the other end of the spectrum now!If you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing2 -
I’m so happy for you OP!
im in the earlier stages on my IVA. I can’t wait for it to be over and to rebuild myself. I really am using this time as a learning curve though as the last thing I want is to ever go down this road again!
do you have any tips on how you went from one end of the spectrum to the other?Congratulations 🥳0
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