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Well only 2 days to go until my creditors meeting. Feeling nervous as to be expected but I realise that there is nothing I can do as my fate lies in the hands of the creditors. Spoke to Sarah at Melanie’s office as it will be Sarah who is chairing my meeting. She was very re-assuring and I felt better having spoken to her.

I do hope they accept my offer as it really is the best one. I am offering a F & F upfront as my earnings are far too erratic to go over 5 years. I have cashed in endowments etc & my hubby, best friend & sister all helping me out.

I have been training to build websites & published my first one last week. Nice to have done something successful. Hate failure I think that is how I got into this mess in the first place chasing losses.

Time seems to be flying which is a good thing when you are in IVA situation; I have kept myself so busy I am in overdrive & running on Adrenalin.

My next update will be the results from Thursday I have everything crossed and really hope it is a positive outcome.

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