I am single.
I am mom.
I am broke.
I am in Chapter 13 – Five years to go
I have no Emergency Fund.
I am scared.
My biggest fears:
There will be illness in my family and somebody will get hurt or I will get hurt and can’t pay bills.
There will be a job loss and I can’t pay my bills, I will lose home and live on the street.
There will be condo maintenance that will be so expensive I can’t afford it, such as Heating or Plumbing. Where would I get that money?
My car will break down.
The confirmation Payment will be set so high it sets me up for misery for the next Five years.
My daughter will need more than I can provide in the next Five years as she gets older, starts high school and driving.
We won’t have enough for even cheap coffee.
My daughter will feel poor.
We are poor.
My Laptop breaks.
I have a heart attack from all the stress.
I age so much from the worry in the next Five years.
There, I got it out, let’s see if that helps.