Life after bankruptcy?

kerri_gt

ani_26 wrote: »

Have you bought a lottery ticket tonight? :rotfl:

I did...I didn't win

Apologies that it's just a quick stop by from me tonight, I did a solo car boot today, have taken some boxes to the tip, made sarnie filling for tomorrow, packed up a couple of bits for fleabay, taken some photos of some other bits for fleabay I need to list tonight, had a bath, put away the washing and am totally cream crackered.

Ani, you dinner sounds delicious, any left?

Reckon I have ninja slimey critters, I know they've been but I never actually see the b*ggers .... must address saving my remaining toms tomorrow.

Flaxseed

Hi Ani your diary is evidently the place to be. I'm honoured to be a visitor. [IMG]http://big grin[/IMG] Not a good day today, more rain and sc have pooped all over my handrail! I'm trying to look at them kindly. Some have very pretty striped shells in coral and cream and others are yellow and green. Read an amusing fact today - Churchill's statue in London has an electrified head to stop pigeons landing and leaving their calling card.

ani_26

Another day in paradise. Another bleurgh day, in the true sense of the meaning. I'm tired of living the benefits dream. I'm tired of reading about others rose tinted perceptions. I'm tired of everything. Pah, i've just scrubbed that. Maybe i should retype it. It doesn't matter for whatever reason you have no quality of life does it? Life is the all important commodity. If you reach the stage where you are housebound and isolated, for whatever reason.

Today i have an appt with sw who will say don't worry, it will all be sorted, for the millionth time, an appt for, well i'm not sure what? I got the health appt mixed up, and that is next week Esa are bound to put me in the return to work category, which is the governments way of giving you less money. They're not stupid. Lets create two categories, and filter off x%. How do you attend appts for your health and welfare if you are ill, and have to work? I am being forced to think about work wheher or not i'm fit and able, and whether i like it or not. Do i really not belong in the real world as i protesteth too much. Or do people like me just end up in the gutter somewhere? Thats a stereotypical view isn't it.

ani_26

That's b*y marvellous. Just received my post and although my benefits have gone down my council tax has gone up.Will update soa as i can't keep track of anything anymore. Will have to do this on a weekly basis as my circumstances change on a weekly basis.


Originally Posted by ani 26



Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 476
Other income............................ 0
Total monthly income.................... 476

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 172.44
Management charge (leasehold property).. 0
Council tax............................. 75
Electricity............................. 15
Gas..................................... 85
Oil..................................... 0
Water rates............................. 21.87
Telephone (land line)................... 35.44
Mobile phone............................ 0
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 0
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 4.85
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Launderette x 8 washes per month........ 24
Council sundries account................ 10.80
Total monthly expenses.................. 455.44


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly.. .APR
Rent arrears........................502.22....3.50..... ..0
Total unsecured debts..........502.22....3.50.......-


Monthly Budget Summary
Total monthly income.................... 476
Expenses (including HP & secured debts). 455.44
Available for debt repayments........... 20.56
Monthly UNsecured debt repayments....... 7.00
Amount left after debt repayments....... 13.56

Personal Balance Sheet Summary
Total assets (things you own)........... 500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -502.22
Net Assets.............................. -5.22



I'm sure the net assets can't be right. Will have to completely redo.



Anyway this now leaves me with £3.39 per week for food, ermm travel to appointments, and anything else i could humanly want?


More phone calls? Do i have the energy?

Flaxseed

I really don't know what to say except my heart goes out to you and if positive thoughts and prayers to any and every deity would help I'd send them. Do you know whether mp has been in touch with sw? Get that appeal in too if you have the energy.

miggy

How did your sw meeting go?

That's crazy/wrong about the ct. Who knows how you're supposed to pay it? Would it even be an option to query it, or is it one of those things that goes with the 13wks / 15 wks?

I will echo flaxseed regarding the appeal but you might not have the energy today. Would it be any use one of us drafting something? (My head shuts down at the drafting stage when I have some paperwork to do which is why I wondered if it might help?)

Btw, did anything happen about the charity that offered to sort out a cooker or plumb in the washing machine?

Just looking at the SOA, I'm not sure the phone payment is in the right place - landline? But then I do get mixed up!

SC count here down to 9 last night... something must be going right there.

miggy

Just called in to see if you're okay but there's no one about.

Leaving you a virtual EG and ginger biscuits.

{{{hugs}}}

kerri_gt

I read your post earlier Ani but wasn't able to reply - I'm really not sure what to say (yes, I heard that 'first time for everything ) it's just all so wrong but then you don't need me telling you that. Hope you're ok - big hugs from me xx

ani_26

I am ok, thanks xx

Just very tired, more like shattered. So many things to sort today. The good news is i got a welcome surprise via big cheese, and you will have to wait until tomorrow.

Thankyou for caring

Flaxseed

So pleased something good happened in your day.:T Can't wait to hear the news. Sleep tight