Tips for post bankruptcy.

philnicandamy

tomterm8 wrote: »

Look after both your physical and mental health. Most people prior to bankruptcy let themselves get run down or ill to one degree or another. Once you are bankrupt, you no longer need to worry about your creditors. Make it a plan to eat well, sleep well and exercise.

The only piece of sound advice we can offer is to be totally straight with your Official receiver as this may be your only chance to stop looking over your shoulder or worrying what the next post will bring or even every knock at the door. there is every chance that you will be discharged early if you are completely honest. My OH went BR in November 2008 and after the initial scaryness of it all, it is the best thing we ever did.
Keep your chins up (in my case!!) and remember that is always a light at the end of the tunnel Its not always a train!!.;)

I totally agree to both posts....

Merry_Gentry

Keep a daily spreadsheet of you income and expenditure - if you are using a Co-op account, often money is 'delayed' coming in and going out. If you run a daily spreadsheet - just saying Shopping -£45.00, Wages +£450, etc as a type of list you can see at a glance exactly how much money you have really in your account. It helps avoid those DD worries, and the potential strikes that Co-Op hand out.

philnicandamy

My tip? dont try & go through it alone.....talk to someone a freind/family member come on here have a rant/rage/moan/natter you'd be glad you did

headoutofsand

tomterm8 wrote: »

Look after both your physical and mental health. Most people prior to bankruptcy let themselves get run down or ill to one degree or another. Once you are bankrupt, you no longer need to worry about your creditors. Make it a plan to eat well, sleep well and exercise.

Thats a bit like me at this moment. I havn't been out my bike for a week and my skin and eyes are in a bad state. I think I may have to visitt the doctor ,he knows I am a little stressed out, my original doctor has now gone and he was great I taught all his 4 kids to drive and he helped me alot in the past, shame he's not there now just when I need him again.

Hopefully when this sorry saga is complete things will calm down

eklynne

The thing that's saved me most money of all is using supermarket saver's brands. Serious money saving to be had there.

empty_wallet_2

The best bit of advice i can say is sharing your problems on this forum, it helped me out no end, i think all the debt charities and CAB should point people towards it. I'm not sure where i would be now had i not stumbled across this forum 13months ago and started asking questions.

There is so much mis-information about boing BR out there its unbelievable, its about time the BBC actually properly researched it before they talk bullsh#t all the time.

beentheredonethatstilhere

Have a go at growing some of your own herbs and vegetables . There is nothing like seeing and eating the fruits of your labours. It's also great to get the kids interested in thier food as well and it's free entertainment:). You don't have to have a huge garden to get started, just a few pots on the patio can do and even a balcony or window box.

Have a read of the Greenfingered Moneysavers Board.

http://forums.moneysavingexpert.com/forumdisplay.html?s=&daysprune=&f=134

mike1966_2

Brew your own beer! Geordie Yorshire Bitter is a fav of mine.
40 pints for bout 8 quid :beer:

powell16

grow your own, we have started this and the kids have loved helping my husband plant it all out, hopefully, we will be enjoying it all throughout the summer, thats if the slugs, snails and any other little creature hasnt eaten them for there dinner!!!

p.s i love merry-gentry's signature!!

fiveyearplan

I don't know how I missed this thread?!