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Showing posts from December, 2010

What to do? Your thoughts needed

Apols for the non postage of the last month, but genuinely there has been little to tell you guys. Here's a brief pre festive update before I ask for your thoughts on my IVA quandry The highpoints would be Not buying presents over the agreed budget for Chrimble Total honesty with Mr E when I feel I'm having a wobble Not buying glossy enabling magazines ....well apart from the festive Grazia today *blush* Deciding to go cloth nappies with DD2 The lowpoints would be Bank account switch to co-op, complete effing disaster many direct debits returned unpaid and cause of uber stress. Buying 3 foodie type magazines and a green parenting mag "for recipe and nappy research purposes" Spending batloads on heating, as have been leaving it on low overnight. Ok so now to my problem, the IVA people have come back to me with a draft proposal and I am scared witless of it! They propose that I spend more on paying off my creditors over the next 5 years than I am currently doing