For many who have debts and are looking for IVA help or any other debt solution that can take away the nagging pain of debt, it must seem odd that there is life after IVA. However for those of you that have been reading this blog I am one of those people that can vouch that there is life after iva.
I have pointed out in an earlier post that right at the end of my IVA that it felt like a hollow victory, however as the months have past, I feel more positive what I have done and achieved, I really feel an iva helped gain me much, but one of the funniest things that have come out of this life after IVA scenario is the sheer idiocy of credit. Its rather like the iva helped remove some sort of borrowing goggles I was wearing, I see 5 years on from going into a IVA, the whole credit and borrowing thing as just a way to gain more pain and have to work harder just to pay off your debts.
One of the things I was advised at the end of my IVA was to never get in debt again , well that’s highly unlikely based on two simple things, one I really do not want anything except to enjoy my life, and secondly I have no desire for credit cards as I have survived quite happily over recent years.
Re reading this post I relize I could sound sanctimonious to some, I do hope not, all I really want to get across is that for me one of the positives of an IVA has been a enforced boot camp that has made me look at my motivations and desires and relize I do not need or want most of the “stuff” I thought I did.
Life after IVA is challenging, however it can be rewarding however as I always say do not see IVA help as an easy option.