(unknown)

Erin

You are "so" not alone. I am sure many of us on this list can
identify.I
sure can.
I am also scared. I moved back to NY, from Florida because my husband
got
laid off. I am flying back down Friday the 12th. We have the meeting
of the
creditors at 4pm.

I don't want to get caught in a web of getting behind again either.
We are
going to sit down to plan, and budget.
We once talked about having an allowence. Each would have a certain
amount
to spend out of his paycheck, once a month.

We used to eat out a lot also. It really does help to cut that back.
I think
it is great what you are doing. You can still enjoy it, but in limit.

Anne




--- In , "Erin" wrote:
> Hi all;
>
> Its been awhile since I have posted but the direction I am heading
> still seems to be bankruptcy. I have a 1700 dollar inheritance that
> my aunt saved for me. It appears I will be buying an older vehicle,
> since my car will be repossessed when/if I file. I found a 84 BMW
in
> GREAT condition today that was in my price range. I really hope it
is
> still for sale in a week and I will probably buy it.
>
> I organized all of my bills. And just need to add up total debts
etc,
> for when I meet with a lawyer/paralegal. Im trying to make some
> positive money management changes. Ive started opening all mail
that
> arrives. On the same day. Even though I dont want to.
>
> Im going to be making some changes to how I spend my money as the
> reason I got into this situation is not purely from my lack of job.
I
> am in this situation because I eat out drinks/food far to much.
> Probably will start buying those reloadable Starbucks cards. Will
> allow myself to get 2 drinks there per week, or something like
that.
> Im tired of spending so much money on fast food/drinks. I also
> purchased a lot of things I didnt need. Who hasnt? I have started a
> list of things I want. Its so I dont forget what I want, and also
> serves as a way to remind me of something I thought I needed/wanted
> but dont. Very often I will take items off the list because I didnt
> really want them. Its a good tool.
>
> I want to learn to save. Hopefully the whole bankruptcy thing will
> help me learn/teach this. But I am scared I wont learn my lesson.
>
> I dont want to repeat this again!
>
> Thanks for letting me share,
> Erin