Life after bankruptcy?

savingwannabe

I am probably stating the obvious here but No hope and Crumbling do you live near each other? maybe you could meet up at Christmas. I am visiting my best friend Janet and have no furniture yet.... (am working on it) or I'd invite you to spend it with me.

Oh yes i had better say i know people are not supposed to swap personal details etc but i think you are both v intelligent people and have a lot in common.

crumbling

savingwannabe wrote: »

I am probably stating the obvious here but No hope and Crumbling do you live near each other? maybe you could meet up at Christmas. I am visiting my best friend Janet and have no furniture yet.... (am working on it) or I'd invite you to spend it with me.

Oh yes i had better say i know people are not supposed to swap personal details etc but i think you are both v intelligent people and have a lot in common.

bless ya! (especially at saying i seem intelligent!).

ani_26

What, crumbling, intelligent ? ermmm !

love ya crumbling, good to see you again xx

enjoy xmas with your parents as best you can, because you never know when its your last, and you don't don't want to have regrets

ani_26

Yes i've thought about the charity thing, but last xmas i only had one thing on my mind. Option b, which seemed a good alternative to bankruptcy, repossession, but largely homelessness. There only was one viable option, to living on the streets.

savingwannabe

No hope - things are better now. You have a house. Soon it will be your home. Miche has made her house a home. It is a happy place. Your's will be too.

ani_26

Just enjoying, if it could be said, enjoying, my last ' normal ' evening in bed, for a while. I'm shattered. They've been very long shifts, this week, and its now going to get ten times worse, with night shifts starting and working days too, sunday will have to be a day of , nothing. Maybe stay in bed all day sunday, to recharge my batteries. I said i would' nt work days as well as night shifts, but the financial situation is dire , now. The money i'd earnt has almost gone. How do you live on benefits alone? They've not paid my benefit again last week. Will have to chase that again tomorrow, since its my last payment. Will be lucky to receive any wages before xmas.

But on the positive side, i heard about my car, today. Its a week since it went for repair now, and the good news is, its almost ready. YES. I was so excited, yes, excited and pleased about something, for the first time, in years , probably. I'm getting my car back Yessssssssssss. That was bloody hard work. Three assessors looked at it. I should get it back by the end of the week, all being well. All shiny and brand spanking new, ( well, to me , anyway ). Shame i've little money for petrol, but it did have almost a full tank. I can't wait to drive a real car again. Yesssssssssssssss, i'm so excited, even though i'm tired. Bring it on. Its strange, i was talking about it to someone yesterday, and they knew exactly how it feels. At least i'm not a total nutter. Oh, no. But the can on wheels has had its uses this last couple of weeks. It has a huge boot, and its saved me hiring a van, with some removals. It also has a mind of its own. Theres a stupid ping, all the time you're driving, reminding you, you don't have your seatbelt fastened, ( when you do ). Ping, ping, ping, the whole jouney, every journey. Imagine paying a shedload of money for a brand new car, with non optional extras. I'd rather have my leaking roof. Its funny. Thinking back to that very first phone call from the or's office, when they asked if i had a car etc. What sort of car is it? they asked? Does the roof leak? was the very next question. I can't believe you just asked that, i replied. Straight up. Of course it bloody does.

Another complete surprise when i got home tonight. Three letters, one handwritten. I know who two of them are from. Creditors, still hassling me, after all this time. I seriously will have to ring tomorrow, to try and get myself removed from their database. Its just a constant reminder, neverending. Still not had any word on my former home. To all intents and purposes, nothing has happened there, since i moved out. Strange, since they were so aggresive in repossession.I personally, won't get final closure, until its sold, and my debts are finally written off. But i'm still unsure about the situation after my bankruptcy, and what i may be liable for, even after all the advice i've received.Theres not much i can do, except wait.

A big surprise from the handwritten letter. Reduced me to tears. A small cheque from the charity which helped with my bankruptcy. They have decided to award me a christmas grant.Completely out of the blue. I wish i really could spend it on xmas, but it will be gone long before then, on utilities, which have to be paid. They really are no spend days, for me at the moment. As many as possible. i've got to account for every penny, the same as everyone else. The only thing i can spend on at the moment, is travel, to and from work. I've got a stock of basic food. It will have to be beans on toast, or the like, for a few weeks, now. Just try and earn as much as i can, as there will be no work after xmas. Thinking about it, what has really changed from this time last year? When will i ever manage to claw myself back out of this deep pit, i'm in. Ohhhh i did'nt intend to sink into deeo melancholy, now. Its been more of a positive, than a negative day. Enough

ani_26

Sw I don't have a house, and i only have temporary accomodation for now. Its only a ' home ' , for as long as i'm allowed to stay here, sadly, but i'll try not to think too much about that, for now.

crumbling

Nohope wrote: »

What, crumbling, intelligent ? ermmm !

love ya crumbling, good to see you again xx

enjoy xmas with your parents as best you can, because you never know when its your last, and you don't don't want to have regrets

:rotfl: cheeky!!! (so true tho!)

thats the feeling i get every year with my parents - hope it doesn't sound morbid? they're both well into their 70's and they strived to make christmas special for us when we were young (and struggled financially). love em to bits:)

crumbling

oh, and nohope - yes you WILL get through any melancholy-ish thoughts. they will still happen but they will become rarer xxx

(see, i just invented a word so that proves i is intelligent:D)

ani_26

You always make me smile crumbling x Thats a good word, melancholy - ish. The word for today. Did you get your car insurance sorted out? I hope things are improving for you. Yes, as your parents age, you do tend to think, well it just might be......................... The funny thing is, my mum was always asking - i wonder how long i've got left? Not that she would have changed her life one iota, if she'd known. I never think, i wonder how long i've got left. Maybe its because i feel i've already lived my life.

Now is'nt really a ' good ' time to be posting here. I'm knackered, and its affecting every body part, at the moment. I'd forgotten how nights completely wrecks my physical being, too. Still its early days, or nights . It takes a while to get used to. I've had other work cancelled, thank god. I need the sleep. Its impossible to find a sleep pattern, right now. The shocking thing is, as you talk to other people, there are many others, doing exactly the same as me, but then there always are. People working in several jobs, 20 hours a day, getting a few hours sleep, if they are lucky. Its just madness. No way, to live. No quality of life. But so many people having to, financially. I've got to do so tomorrow. Go from one job to another, when all you want to do, is sleep. Madness. Extraordinary, that other people, like myself, actually manage to keep on ' functioning '. Gone, are all those walks now. On the positive side, i did find out theres a tennis club and a badminton club, all year, not far from here. Ideal opportunity, to start getting fit, or fitter. But how can you do that, whilst you're working 20 hours a day? On the back burner, again.

It seems my car is'nt going to be ready this week after all.Not that i'm too bothered at the moment, with all this snow, the last thing i need is another prang. Its safer off the road, for now.Life after bankruptcy still does'nt seem that far removed from life before bankruptcy, at the moment. Some one just asked me at work,are you still ? no, i've moved, i replied. Just words. Empty words. I'm tired. I just don't belong anywhere, anymore.