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Life after bankruptcy?

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Comments

  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Progress:D:D:D:D
    Aiming for a minimal spend 2022
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    When I first decided to post on this site, I scrabbled around in my head for the daftest, catchiest name I could think of. Then, flash of inspiration from out of the ether and Nargleblast was born. Bit of Tolkien, bit of Hitchhikers Guide to the galaxy, bit of....something off the wall, and sooooo me!

    I have never been bankrupt, but I am in debt, and have chosen the IVA route. My debtfree date is a few years away but I will get there, and am trying to have a fulfilling life on the way.

    None of us are perfect, but we are all unique and indeed, children of the Universe! Hail to thee fellow sibling of the Universe! (Will drop by occasionally to say hello).
    One life - your life - live it!
  • ani_26
    ani_26 Posts: 3,700 Forumite
    beanielou wrote: »
    A Monday or a Friday?
    How about the beginning of March?


    To be honest, theres no way i'll have the money for any fare, however cheap in two weeks time. Is it only two weeks time? march, plus this mega job starts 1 st march, too. How about beginning of April, end of march? I've so many bills to settle in march, ending with my road tax. Every penny will be accounted for, things are so tight.

    Monday is probably a good day. You don't have people going away for the weekend.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • ani_26
    ani_26 Posts: 3,700 Forumite
    Hi NH

    Congratulations on your AD today. You have battled to get through this year & I hope that you can look ahead & leave all the regret & heartache of this past 12 months behind you.

    Have a good weekend.


    Thanks Angel x

    I'm working all weekend. I wish i was going walking, you can guess, where.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Whatever suits you No Hope.
    So we can pencil in April.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • ani_26
    ani_26 Posts: 3,700 Forumite
    When I first decided to post on this site, I scrabbled around in my head for the daftest, catchiest name I could think of. Then, flash of inspiration from out of the ether and Nargleblast was born. Bit of Tolkien, bit of Hitchhikers Guide to the galaxy, bit of....something off the wall, and sooooo me!

    I have never been bankrupt, but I am in debt, and have chosen the IVA route. My debtfree date is a few years away but I will get there, and am trying to have a fulfilling life on the way.

    None of us are perfect, but we are all unique and indeed, children of the Universe! Hail to thee fellow sibling of the Universe! (Will drop by occasionally to say hello).

    I can't explain how it feels to know there are many people who will be struggling with their debts for many years to come, when i've taken what some may see as the ' easy ' option. But it only ever is the last route to take, especially depending on the degree of your debt, etc. when you reach the stage beyond no return, and when theres only one other exit route.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    No hope stop apologising. Dont. You have been through enough carp. Be happy ok.
    Aiming for a minimal spend 2022
  • ani_26
    ani_26 Posts: 3,700 Forumite
    beanielou wrote: »
    Whatever suits you No Hope.
    So we can pencil in April.


    Definitely. How about fish and chips for my birthday?
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Nohope wrote: »
    Definitely. How about fish and chips for my birthday?

    Its
    a deal.
    PM me your birthday.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Wordsmith
    Wordsmith Posts: 1,164 Forumite
    Congratulations, Nohope. Such a shame you can't change your name. Maybe you could be referred to as "formerly known as Nohope", like "the star formerly known as Prince".

    I hope for your sake the house is sold soon, so that you can reach "closure" and really move forward. If you are open to it, there is a whole host of opportunities ahead of you. Enjoy them.
    "Green pastures are before me,
    Which yet I have not seen;"
    I'd love to be a good example - instead, I am a horrible warning.
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