Life after bankruptcy?

ani_26

I started half my thought process earlier, and got sidetracked by various things. Now i've done the various things, that's it, for the day. I'm so sleepy today. The slow cooker is slow cookering macaroni cheese. Again. Yuk. I just don't feel like it. However, i had some milk left from the 10p purchase the other day, and i have all the other ingredients in stock, including some mouldy cheese, so heyho. I will see if i've any tinned toms in the " store cupboard ", :rotfl:as i love toms with my mac cheese. No cost for the next few days meals. I seriously fancy mf's green lentil stew, but as i have none of the ingredients, that's on hold until i see how things pan out.

I seriously need to do some weeding, but i only managed some basics before the rains came. Geraniums pruned back, as with the chocolate plants, the tomato plants, the petunia's ( again.) Tidied all my tubs. I generally haven't noticed what has been happening in the garden recently, since i've been on sc patrol at nighttime. I now have my first ever flowering gladioli, with the rest soon to follow, two yellow and? I hope they aren't all yellow, though. Should i bring them in or leave them in the garden? The lupin which i fought so hard to save from the sc's, although very small, ( and eaten,) has now flowered with a second flower on the way. A beautiful deep purple. Worth the fight then. Still one more lupin appeared, which is also taking a battering, with no flowers. I'm hoping for a lemon one. One of my tomato plants which i grew from seed, is now flowering. I haven't read up on tomatoes, but my guess is next stop - tomatoes? :rotfl:As are my cucumbers. I haven't researched those either, but they are flowering too. At least i think it was the cucumbers...................:rotfl:My patio is resembling a patio, less, every day. Maybe i should rename it a platio? there are now so many plants on there.

My mind is becoming more consumed by the dla, as it's now another waiting game. Wr listed how much income i should receive, and said i'll have more income then i've had for some considerable time. It's true. Some of the things, i wasn't even aware of, and i don't know if i have the energy / will to continue. The main concern for me has always been having the rent and ct paid. That's what takes all my income along with the gas bill. Gawd, can you imagine what it's like to be able to afford things? Afford things? At the taxpapers expense. Of which i am one. There's no wonder the government are changing benefits, as i will indeed, be better off than when i was working? That's the trouble, if you are on a low income. Still. It hasn't happened yet. But i still can't stop thinking, as i will have to spend the money. That will make me feel most guilty of all. I'd rather become a saver for a rainy day, but the money has to be spent, as i'm not allowed to save. It's not too difficult, i guess. The tv licence, the contents insurance, and ani. The bulk will be spent on ani, and for that, i feel most guilty of all. Maybe i should indeed get rid? Buy another car for £500? But my mantra is that once ani goes, that's me and cars, through. They are a commodity i can't afford. I've never believed in spending huge amounts of money on a heap of metal, however, ani, is undoubably the most life enhancing commodity, such are my difficulties getting around, at the moment, and that's the whole purpose of dla? I reckon at least £500 of essential bodywork repairs are now required, as ani is going to fail next mot, anyway. I've had a quote for £246 for insurance, which isn't too bad, in the grand scheme of things. The only thing is. I don't have the money right now. :rotfl:Maybe that mattress i've been after for years? I've also seen a wardrobe in one of those shops for benefits type people. Perfect. I have an alcove in the bedroom, perfect for a walk in type wardrobe.That's the bedroom sorted, then. If there's any left, i desperately need a new computer, especially if i'm taking that course. This one has been on its last legs for years. I won't be able to use it for all the things required. I still don't think i'm up to that course though. There we go. It's all spent, and everyone can think !!!!!!. No 50 inch tv there, though. But these although they may sound like luxuries, are things i need. As oppsed to want. Yeah, ok. I want a new mattress, as well as need, because this one is terrible for my back. There are lot's of other people who would like a new mattress? I'm really getting ahead of myself here. What if it all goes ptong?


I have to say, i'm very unsure of posting my thoughts, and aspirations of spending money, on this one, and overall reaction. However, i'm not in receipt yet, and even if and when i am, there is never any long term security, with esa set to be reassessed in november, and from what i read of the changes from dla to pips in april 2014, even if you are awarded dla for a specific time, you have to be assessed for the new benefit, so this is only ever short term help. That's definitely the way you've got to look at it. I am living in a dream? Time will tell. Yet another waiting game.

ani_26

Thiinking about it, i'm not sure where all this would leave me with regard to the dro. Will the IS just take everything off me, or will the dro become null and void. That's another phone call i would have to make. There's always something. Urghh, i'd forgotten, it will make the dro null and void? There's always something. I also have to tell them about the tc debt, which i'm already repaying, and i have to repay, anyway. Another day in paradise. Serves me right for thinking about it. One problem solved always creates another.

beanielou

I dont think it would be classed as income in respect of the DRO to be honest ani.

ani_26

beanielou wrote: »

I dont think it would be classed as income in respect of the DRO to be honest ani.

I'm not sure about that, especially with any back payment? I'd forgotten i'd already asked about it, and i suspect it will all disappear of its own accord anyway. I wish i hadn't made that previous post. Life is never going to be sorted.


I've had a look on various websites, and increase in income, is increase in income.

beanielou

Life will be sorted ani.It will.

miggy

ani_26 wrote: »

Ok, so you'll all have to wait and see if ani survives the winter too, before you all get cuttings?

Knowing your luck, you probably will.

Very sorry I can't answer any more (you may get volumes once I have some time - nothing new there) but I have to be at work asap. Much rather be here but never mind.

Working tomorrow night too. Bah.
Night night.

ani_26

miggy wrote: »

Knowing your luck, you probably will.

:o:o:o

Very sorry I can't answer any more (you may get volumes once I have some time - nothing new there) but I have to be at work asap. Much rather be here but never mind.

Working tomorrow night too. Bah.
Night night.

{{{{ Hugs }}}}

NorthernLas

Must try the pots around the garden for easy SC - thanks Ani!

ani_26

Today is another bleurgh day. I've got ahead of myself, which seriously isn't a good idea. I wish i hadn't proceeded with the dro, but everyone advised me to go ahead, as it was the option at the time, and you can't predict the future. Nor can you plan for it. After all, even I, never expected to receive dla. Realistically, i still haven't received it yet. If i'd received it way back when, when i'd applied for it, i wouldn't have been in any of this * now. I have to remember it was at bailiffs and ccj's stage. It's a shame as my debts totalled under £1k plus the rent and ct arrears. It's a shame, isn't it? It's frustrating, more like.


Back to normal this week. I mustn't spend anymore money. It's back to no spend weeks. I shouldn't have spent that 20 quid. Regrets, regrets. The rent is due again today, so that's potentially now 2 weeks in arrears. The council tax is due, and i haven't paid that, either. I don't know what to do about ani. The insurance expires this week. Make the most of my last week ever, driving ani? It's a difficult call, as i've worked out it will cost me more in bus fares then it would in the monthly insurance payment? Plus there's only a limited bus service. Why did i move to this god forsaken place? I can't decide what to do for the best, such is my brain at the moment. I can't make decisions. Besides, they haven't run a credit check on me yet. Maybe i should just let it run its course.


It's back to one of those times of year again, and i never forget my wedding anniversary. Well. What would have been my wedding anniversary today. 35 years today, it would have been. I never forget either, that moment when i heard elvis had died, whilst we were on our honeymoon. 16th august 1977. I remember it like it was yesterday. I've never been an elvis fan.


Too maudlin, today.



Edit - Hmmm. I got married on the 13th as it was the only date available for months. No one wanted to get married on the 13th.

NorthernLas

Ani - PM immoral_angel - she is an expert on DRO and works for CAB when she is not raising her girls.

You will find her diary here https://forums.moneysavingexpert.com/discussion/3580823 in DFW and she regularly posts in the DRO thread (sub-thread of Bankrupt and living with it).

Then get out and SC ... it has been damp overnight so focus on upping your record catch and breath fresh air. Hard to do, and easy to say, but concentrate on one thing and do it until it's done. Then pick the nextone of the 3 things on your 'todo' list.

It's quite ok if your list looks like

1. Read IA diary and send her a PM
2. SC
3. Eat, Sleep, enjoy being alive

REPEAT (ok, don't message IA every day ... but you get the idea )

[just in case you are shy and not feeling like talking, I've PM'd her on your behalf and asked her to drop by - hope this is OK]