I have had my ups and downs since deciding to do a Chapter 13 and last night was a DOWNER!
I replay all the horrible things about a Chapter 13 instead of the positive ones.
For instance, there goes the credit score for YEARS. This is not a new fear, but it means that in 5 years when my daughter is looking for colleges I cannot be a co-signer for her loans. That freaks me out! I mean, she is not an A student and I don’t expect her to get academic scholarships! However, she could get sport ones IF she applies herself.
Then I got to thinking about all the bills that are due this pay period – do I have enough money? Who can I borrow from if I don’t? What will I do if something in the Condo needs repair, like *GASP* a pipe leak? Oh the demons of the sleepless night!
In the light of day, after reviewing my checkbook, I see that we have enough. We are fine this pay period. There are many reasons why this is a worry, but I expect things to even out soon and my budget get on track.
There have been extra Lawyer expenses that set me back.
Speaking of which, I meet with my lawyer day after tomorrow and that will be an interesting post!
Wish me luck!