It was one year ago today that my lawyer filed my Bankruptcy Paperwork!
It’s been an interesting year. Lots of ups and downs.
I’ve done some fancy foot work at times to make sure enough money was in the bank to pay my mortgage, but I got it in there!
This next year could bring some challenges. I anticipate a step up in the plan payment if they notice my daycare costs has gone down. Hopefully, they took that into consideration when we filed, but I doubt it.
If I get a raise, it could go up as well, but it has to be over 10% increase and that is unlikely.
My 12th plan payment will be made this month, so that is yet another milestone.
This year I have tried to do my best to:
- Keep a positive attitude
- Stay busy
- Take local trips
- Keep the condo and the car maintained
- Do fun things with my kid
- Keep her happy
- Stay creative
- Stay healthy
- Put a little money away for my kids car (52 Week Challenge)
- Keep costs down
- Keep my student loan payments up even though they are deferred
Next year I hope to do the same but I need to add an emergency fund to the list. I would like to save at least $1000.00.
I hope that this blog has helped you if you are in a chapter 13 or if you are on a tight budget too.
I haven’t seen another blog quite like this one out there. There are finance blogs, creative crafty blogs, food blogs, etc, but this blog is unique. I post a all of that rolled into one! Its a one stop shop! I hope you like it here as much as I love posting for you!
I’m going into autopilot now. What else can you do. Once you file you are in, there is no turning back. Four more years!
Let’s blog our way thru another successful year and get that much closer to discharge! Woo Hoo!