Another month closes and another payment gone…well that’s how I would like to start this blog entry but sadly not. Having a payment break this month as husband has had his op and all has not gone to plan. He had the op and took two weeks holiday for recovery. It hasn’t healed well at all and he had seaweed dressings on to assist the healing process but they’ve made no difference, without being too graphic it’s still gaping and it’s not looking hopeful for his return to work. He’s on antibiotics now too. In constant contact with Melanie as it looks like we’ll finish this IVA the way it started with umpteen problems. He’s the other hand to have done yet too!
I’ve a plan in place to ensure the missing payment is back in place by Christmas assuming he’s back to work next week. He will get a little sick pay which is two days but only SSP as they don’t actually pay you!
I’ve been put ‘at risk’ from my job. 30 day consultation period started and then we’ll be asked to reapply for 4 positions for 9 of us. One person who already teaches at Grade 5 can just slot in so technically only 3 positions to be had! I’m half way to Grade 5 as just finishing the first year of my degree, we’ll have to wait and see what the job description says as to where I’m eligible to apply. Without paid teaching hours I can’t finish degree! It’s all a waiting game.
Finally some positive news! I’ve had a variation of the IVA that was last Tuesday the 24th April. I got a phone call soon after to say all approved. What a great service Melanie and her team give. Basically my house is now excluded from the IVA, I was to repay 44p in the £ to the creditors that is now forecast at 33p in the £ and is acceptable.
The start of the IVA (see previous blog entries) was horrific and now the end looks like it’s going the same way but there is no way this is going to beat me…I will be posting on here I’ve finished in capital letters and shouting from the rooftops…well maybe not the rooftops as the IVA is personal but I’ll be broadcasting it on the forum.
Daughter has made her firm choice of university now and is planning to go to Manchester (grade dependant) we went to a Psychology specific open day last week and I enjoyed it, we looked at halls. Student finance applied for, halls applied now sit back and wait! She deserves her first choice she’s worked so hard and always does. First payment post IVA goes to her to do as she wants with as she’s been affected the most.
Last night we went around the kitchen looking for bits for her to take. We’re going to scour car boots etc., in the coming months for some stuff too. It’s like setting up a whole new flat isn’t it and we just don’t have the money but between us we’ll get there.
Right until next month bye bye and stay positive it’s the only way forward.