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Four months and counting...
Before I started an IVA I was careless with money. I got married three years ago, and before that I could buy what ever I wanted, whenever I wanted. I didn't restrict myself and the debt started mounting but I thought I had it under control.
I got married three years ago and it didn't occur to me I’d need to change my spending habits now that I had a wedding and honeymoon to pay off and wanted to buy a house for my wife and I to live in. Last year I realised that my only option was insolvency. I didn't even realise but my wife and I had been lying to each other about how much we'd been spending on credit out of guilt and when we totalled up all our debt I knew there would be no magic fix for this one. I'd have to change my life to get back in control of my money and my life.
My advice for anyone in debt is to ask for help as soon as you realise. The only thing I regret about my IVA is that I didn’t start it sooner. My wife and I don't argue as much and I actually know where I stand.
It is good to talk about money matters with each other
It is good to be straight and upfront with your spouse about money matters. When you hide things like how much you spend the other one does not know and your finances can get in trouble real fast. We need to talk to each other more about how we feel when dealing with our money.
Thanks for sharing, it's
Thanks for sharing, it's really inspirational to hear from others in debt.
I really hope you keep us up to date with your story and let us know how you go! I'm attempting to pay off a consolidated loan myself and understand how hard and frustrating it can be to live on a budget 24/7.