life after BR

nuttyp

Hi everyone, I haven't been on the board as much as I used to, but I just wanted to post about how things have changed for me since 6 years ago.

When I finally declared myself BR, I was up to my ears in debt. OH and I had separated due to this as well. I declared myself BR, moved house into LA. And that's when I managed to turn my life around and my kids.

Roll on the 6 years, and me and OH are back together, after he had to go BR too. We have nothing on finance, save hard for things we need. Currently we are saving for a holiday for next year.

The thing is, well I wanted everyone to know that as hard as life can be before BR, it definatley gets easier after. I suppose if you want a car on finance that would be harder, but if you want to live a simple and normal life then it can and does happen.

Finally I want to thank everyone for their help and support that was given to me prior to my BR. The support gave me the courage to own up to my debts and move on.

Action_Jackson

Glad to hear things worked out for you and your OH in the end.

It must be liberating not having and debt and BR hanging around - looking forward to that day myself (not too far off now).

If there's one positive spin to BR, that's the fact that it makes you realise what's truly important in life.

TheGardener

So good to hear things have turned out ok :T
I am fairly new to BR and discharge seems a ways off yet. However, I am now, for the first time in more years than I can remember, debt free and its true the simple things mean most. I opened a CU account and put money into it via a payroll deduction scheme. I cant tell you how much this simple action has meant to me - I don't have the luxury of saving for holidays etc yet - just for annual expenses like car and contents insurance (no one will give me instalments) and my old banger of a car will need replacing at some point but I am *saving* and that is something I never thought I would be able to do.

Hope life continues to be good to you and your family - lovely to hear a good news story

alastairq

...........and again, it is pleasing to read about the upside of BR...and how 'liberating' it can prove to be?

These posts are so important in giving lurkers, and those who are facing seemingly impossible debts, a more positive view.....[a sort of 'Haribo' moment?}

nuttyp

exactly why I posted alastairq, I remember reading how some had come through to the other side and their lives had been transformed.

To anyone worrying about going through the procedure, I was scared too but it 'can' change your life for the better.

onwards and upwards everyone!

macbabypam

Thanks for that nutty. I always read this forum looking for a positive post about life after BR.

I went bankrupt with OH in September this year and we are currently adjusting to managing our household expenses and demands of teenage children on a limited budget. The AD date seems so far away at the minute and 6 years feels like a lifetime. It's uplifting to read that life after BR isn't always doom and gloom .

alastairq

One problem I see on here time & time again, when undergoing BR, is the feeling of guilt apparently imposed by being BR?

[Not helped, of course, by the occasional troll?]

Really, the guilty feeling is a false one imposed by an overtly 'moralistic' society[ie, two-faced?}

Society [ie trolls?] still view Br in the same light as Divorce was viewed 80 years ago.

We forget the attitude of the bankers & bank employees when the banking system collapsed..or, somehow was their behavior acceptable?

So...to budding BR's, please don't feel any moral obligation whatsoever..it is unjustified.

And, if that upsets some, so be it..please feel free to be upset.