Life after bankruptcy?

ani_26

Hmm, i don't know about that.sa.

Just had a knockback today. My house is finally on the market, after all this time, for alot less than i would have expected. Its not gone to auction. Its very upseting finally seeing it in print, as it were. Take me a bit of time to get over this one. Its made me cry, and i know it should'nt.

Nohope

ani_26

MatyMoo wrote: »

After everything you have been through in the last year or so I think, unknowingly, this is the mantra you live by Not a bad mantra IMHO




Excellent news :T:T:T

Forget mantra's. I've had a setback, and reached rock bottom again for now. Hopefully it will pass.

Nohope xx

startagain_2

Nohope wrote: »

Forget mantra's. I've had a setback, and reached rock bottom again for now. Hopefully it will pass.

Nohope xx

It will pass I promise you. It is something you knew was a possibility and now it is actually happening it is a shock, as time passes you will see that there are other things for you to concentrate on.
Don't dwell on the past - think to the future, one that you can shape to making you feel happier.
Off to work now but please try and clear your head of the sad things. Get some fresh air - plan ahead. Thinking of you. You are not alone.
SA

ani_26

Thanks sa x

Just trying to divert myself from it at the moment. You are right. I do need some fresh air.

ani_26

One of those mornings i've not had for a while, where i wake up early. Will unload my mind and go back to bed, whilst i still can. Maybe it was more of an unsettling day than i thought, yesterday.

I'm really questioning the point of keeping a diary. I'm on a money saving forum, and i just seem to be banging my head against a brick wall, financially.Nothing ever seems to change, moneywise, although my health has undoutably improved. I look at people trying so hard to save the smallest amounts of money, i look at no spend days, and think shall i keep a target of these myself. Then i think, well what is the point? Because almost every day, to me, is a no spend day. I don't have to stop myself spending what i don't have to spend in the first place. What is a no spend day? Other than a direct debit going out, or having to pay transport to work, or essential car expenditure, thats it, i rarely spend money on anything else, which includes food. I never buy anything, other than occasionaly, food. Its a diet of tomatoes on toast this week, because i have some tins of tomatoes, so i've only had to buy a loaf of bread and a pint of milk, this week, total spend £1.02. £1 a week on food, that really is shocking. When will it ever get better? Frankly its a joke when you out in your soa to the receiver, your food budget of £200 a month or whatever it is. I wish. I'm still living on the breadline literally, as that is all i can afford to buy, right now. It atill amazes me how people can go shopping and buy whatever they wish, with gay abandon to all else.

I pray my cheque clears today, as my bills have to be paid today, no question about it. Its unfortunate, it should have arrived before xmas, the story of my life. But once the bills are paid, thats it again. There will be virtually nothing left, just enough to cover my travel costs to work, i hope, as thats all any residue left in my account is used for. This really still seems a bizarre way to live. I should really look to changing my job or make my life changes, now. Any sane person needs to know that x amount of money will be paid to them on x day. How can you budget and plan your finances, otherwise? I'm fed up of constantly wondering if i will receive any pay before next dd is taken out of the bank, so fine is the line i'm still treading. In fact the next pay i'm expecting is due the same day my next dd is taken out, hopefully after the pay has been deposited. I'm still walking the line of shall i cancel the dd now, as i simply can't afford to lose my bank account. But then companies are probably so fed up of me cancelling and reinstating dd's by now. Still. You have to do what you have to do. Surely theres got to be a better way to live? Is this really life? after bankruptcy?

Oh god, i've gone on a downward spiral. With the knowledge yesterday, my car insurance has risen by £200 a year, and of course it will rise again when its due for renewal, i've now really got to question the viabilty of running my car. With the insurance on course to double in a year, and the running costs of keeping the car on the road, i've really got to question, the sanity of it all. But without my car, i've no job. But when you get to the stage where you're spending almost the value of the car on insuring it, annualy, let alone everything else that has to be spent, one wonders, why? I should have let them write it off. How stupid of me. But then, i did'nt know, how much moving, would affect my insurance.

So, with a bit of luck, bill paying day today, and sort out my insurance. Even if i have to pay the extra, i suppose i'm going to have to look on the brightside, if i actually, have, insurance, for now, at any rate.


I was feeling completely different, when i went to bed. The documentary was the best programme i'd seen in ages. Oh to be there and say, hey bear. Can you just imagine it? I'll have to watch that again, sometime. But i was thinking of changing my name to hope, just like that little bear. But that was before i woke up


I'm away back to bed now

moo2moo

That sounds like a carp strat to the day. But you're not the only one whose car premiums have gone rocketing up. Imagine being stitched up with a £250 bill purely for buying a car that your current car insurance company won't cover which needs them to cancel your existing policy thus shoving six months worth of premiums down the toilet and then having to a pay a cancellation charge for the privilidge. Insurance companies are a bunch of thieving robbing back stabbing barstewards!

Thats not enough of a reason to have a sh!tty day though!

You might be living on a diet of tinned tomatoes and toast but they're your tinned tomatoes and toast and lets face it thats more exciting than toast alone or the patented toast with woucester sauce that we lived on for quite some time since the sauce was whoopsied and worked out cheaper than buying value lard. It also meant we could unplug the fridge too. Mind you the hovel we lived in was so cold at that point it was quite posssibly warmer in the fridge.

Others have hit rock bottom and survived to tell the tale. You will too. So what if your former house is on the market. You chose to walk away. You'll be in a position to buy another one day. If thats what you want to do. Its just bricks and mortar.

NorthernLas

NH - I have been lurking on your diary since the very start.

For cheap food recipes, have you looked at http://www.cheap-family-recipes.org.uk/ (it was spawned by Weezl74 and friends forom the OS thread)

As for your question 'what is the point' ... well I treat this spend as little as poss malarky as a game (bear with me as I don't mean to be facetious). Whatever few pennies I save / don't spend, even if they are only on paper, means that I have choice as to what do do with them. It makes me feel good to feel in control of something when so much is actually out of my hands.

And however little I have, I am very fortunate. I have a roof over my head, I have my health (all be it with 'happy pills' and the moment) and best of all I have friends on-line and in person who care enough to provide the hugs and support I need when I need them.

NL x

startagain_2

:)

Morning Nohope. I have got a few minutes before a dog walk and then work so here goes....

Firstly, there is EVERY point in keeping your diary. I admit that it is comforting to know that I am not alone in leading a pretty solitary existence and do not have the means to "splash the cash". For the life of me, I do not want to keep reading diaries of people who can clear huge amounts of their debts in a year. That isn't the real world to me. I realised yesterday that my current weekly income is less than I used to spend on a dinner out with my ex husband. That was pretty shocking, I can tell you!

Next, I don't mean to pry but what exactly is the problem for you financially in that you are eating tinned tomatoes for a week? Bankruptcy is supposed to clear the decks and leave you able to make a fresh start, not leave you poverty stricken. Is it the income that is the problem? If so then you need to have a cold, hard look at what you are currently doing, how much it costs YOU to do it, and whether there is an easier solution. As I mentioned before - one income topped up with benefits may be better for you. Then you can do some other stuff as well - planning your new life!

My car insurance has also gone up by 30% - renewable this month, but I have the time now to shop around and have reduced it down to just £20 more on an annual policy - about 10% which I can live with. I do need my car to get to work but I know where you are coming from with the cost of running one.

I am sure that a lot of you being down is that you currently are existing and not living and this is what you have got to change. If you rent a property then you can get housing benefit so that is a plus to losing your own property.

I am sorry if I am galloping through this but time is not on my side and I was anxious to post before I dash. I hope you have been able to get some more sleep and wake up feeling ready to make and take a baby step....

Best wishes

SA

ani_26

moo2moo wrote: »

That sounds like a carp strat to the day. But you're not the only one whose car premiums have gone rocketing up. Imagine being stitched up with a £250 bill purely for buying a car that your current car insurance company won't cover which needs them to cancel your existing policy thus shoving six months worth of premiums down the toilet and then having to a pay a cancellation charge for the privilidge. Insurance companies are a bunch of thieving robbing back stabbing barstewards!

Thats not enough of a reason to have a sh!tty day though!

You might be living on a diet of tinned tomatoes and toast but they're your tinned tomatoes and toast and lets face it thats more exciting than toast alone or the patented toast with woucester sauce that we lived on for quite some time since the sauce was whoopsied and worked out cheaper than buying value lard. It also meant we could unplug the fridge too. Mind you the hovel we lived in was so cold at that point it was quite posssibly warmer in the fridge.

Others have hit rock bottom and survived to tell the tale. You will too. So what if your former house is on the market. You chose to walk away. You'll be in a position to buy another one day. If thats what you want to do. Its just bricks and mortar.

This is all true.


No, i won't ever have another house, because i simply would never get another mortgage. But a place to resiside is, just bricks and mortar to me, from now on. To be honest, no, i would'nt ever want the responsibility of owning another property. Because they are, a huge commitment.

Nohope

ani_26

NorthernLas wrote: »

NH - I have been lurking on your diary since the very start.

For cheap food recipes, have you looked at http://www.cheap-family-recipes.org.uk/ (it was spawned by Weezl74 and friends forom the OS thread)

As for your question 'what is the point' ... well I treat this spend as little as poss malarky as a game (bear with me as I don't mean to be facetious). Whatever few pennies I save / don't spend, even if they are only on paper, means that I have choice as to what do do with them. It makes me feel good to feel in control of something when so much is actually out of my hands.

And however little I have, I am very fortunate. I have a roof over my head, I have my health (all be it with 'happy pills' and the moment) and best of all I have friends on-line and in person who care enough to provide the hugs and support I need when I need them.

NL x

Aaargh, how embarrassing you've been lurking. To be honest, i have'nt looked at any of my previous posts from way back when, only once i've read my first post, i think. Maybe i should, one day, sometime in the future. But i suspect it will all just be words to read. Will they evoke the pain i was feeling, when i wrote them? Maybe one day. Maybe not.

Thanks for the link, i will have a read. It has been suggested i have a ' money pot ', but it just feels all those pennies are accounted for right now. Literally.


You are right, i have a roof over my head, for now, and i should try living for the moment. Maybe i miss real human contact,friends, someone to hug me every now and again, ( and to hug them too ). What is it they say? you should hug or touch at least three people a day? I've met two people i knew from my past, working over xmas, one of them twice, amazingly,after all this time, and they both gave me hugs. It did feel good. It reminds me i'm a human being, not a robot.


Nohope x