I'm sitting at Thing 2's final tee-ball game of the season, enjoying it immensely because his dad isn't here to bring the night down with his negativity. The only damp part of the evening is the wet in my hair and on my shirt from the Mountain Dew I doused myself with while getting out of the car.
Thing 2 and I had quite the conversation on the way to the ball field. It revolved around God and ended with a discussion about death and heaven. We promised each other that whoever dies first will watch down over the other and will give hugs and kisses to the other when he/she dies and joins them. I made him promise that if I die before him that he won't be too sad because he'll see me again, and he made me promise the same. It's amazing how deep a conversation with a five-year-old can be.
The boys have both been questioning Dave and I about step-parents and about us getting married. While neither of us is ready (whether financially, physically and/or mentally), I have no doubt that it is in our future. Honestly, the only things stopping me are my bankruptcy (I don't want to have to include him because he's my spouse) and the fact that his daughter is not here. I told Dave last week that if/when we get married, I will NOT do it unless she is there. His response? He would like to include her IN the wedding, like as the flower girl. BIG happy sigh.
Showing posts with label Bankruptcy. Show all posts
Showing posts with label Bankruptcy. Show all posts
Monday, June 27, 2011
Wednesday, April 6, 2011
DAY 66, Post 3
I'm taking steps in the moving-forward direction this morning. Whether they be the right steps or not, I guess only time will tell.
I called my attorney's office this morning and set up an appointment for next Friday morning to discuss bankruptcy. I still have feelings of guilt when considering bankruptcy, but I believe it really is something I need to consider. If given the choice between paying of the debt little-by-little, it could take me the rest of my life. And the last thing I want to think about, even at age 32, is leaving my boys debt when I die. So... I need to consider bankruptcy. I'm already operating on a cash-basis as far as finances go, and I have absolutely no intention of ever racking up debt on credit cards ever again.
Next, I received a call from a local, architectural and engineering focused employment agency. They had a job in the office, which was unfortunately more senior of a position then I am eligible for, which they wanted to speak to me about. Fortunately, the man told me they do get a number of jobs through their office, and he would like to sit down with me next week. So... Yay! I've already updated my resume(s) and gotten them back to him, so now I just have to wait and see what happens.
Lastly, I called a car insurance company to get a quote for my car. The car will be paid off and the title transferred to me in the next 30 days, so registration and car insurance are next on my list of bigger expenditures. Luckily we're not still living outside of New York City and the car insurance will be (relatively) affordable.
Oh! I also forgot to mention that I wrote up a monthly budget! It didn't have the car insurance cost as I didn't know that yet, however I'm seeing what I have to spend money on and how much money that will leave me at the end of every month. The leftover isn't very much, and it's plainly obvious to me that I need to get a higher paying job. I have so much to be grateful for though. One of my co-workers is working two jobs, probably both at the same rate as I'm getting paid, as she has FIVE children. I can't imagine being under that type of stress. Food, clothes, car-pools, activities, etc. It's hard enough with just my two boys! She is married though, but still... If he's making the same as us... It's got to be REALLY hard!
I called my attorney's office this morning and set up an appointment for next Friday morning to discuss bankruptcy. I still have feelings of guilt when considering bankruptcy, but I believe it really is something I need to consider. If given the choice between paying of the debt little-by-little, it could take me the rest of my life. And the last thing I want to think about, even at age 32, is leaving my boys debt when I die. So... I need to consider bankruptcy. I'm already operating on a cash-basis as far as finances go, and I have absolutely no intention of ever racking up debt on credit cards ever again.
Next, I received a call from a local, architectural and engineering focused employment agency. They had a job in the office, which was unfortunately more senior of a position then I am eligible for, which they wanted to speak to me about. Fortunately, the man told me they do get a number of jobs through their office, and he would like to sit down with me next week. So... Yay! I've already updated my resume(s) and gotten them back to him, so now I just have to wait and see what happens.
Lastly, I called a car insurance company to get a quote for my car. The car will be paid off and the title transferred to me in the next 30 days, so registration and car insurance are next on my list of bigger expenditures. Luckily we're not still living outside of New York City and the car insurance will be (relatively) affordable.
Oh! I also forgot to mention that I wrote up a monthly budget! It didn't have the car insurance cost as I didn't know that yet, however I'm seeing what I have to spend money on and how much money that will leave me at the end of every month. The leftover isn't very much, and it's plainly obvious to me that I need to get a higher paying job. I have so much to be grateful for though. One of my co-workers is working two jobs, probably both at the same rate as I'm getting paid, as she has FIVE children. I can't imagine being under that type of stress. Food, clothes, car-pools, activities, etc. It's hard enough with just my two boys! She is married though, but still... If he's making the same as us... It's got to be REALLY hard!
Tuesday, April 5, 2011
DAY 65, Post 4
I want to put a HUGE thank you out there to my sweetie-pie Thing 2. He totally made my night by having a dance party in the living room with me. We danced to "Try a Little Tenderness", and let me tell you... I could feel it in my belly when we were through! Now I know how I'm going to get rid of the belly fat that doesn't want to go away, despite the weight loss.
The boys have finally migrated their way upstairs to bed, however I know they will be up for a while as Penny has found something to bark her head off at. And while I know they should go to sleep, I am somewhat comforted by the sounds of their voices. I supposed I should go confiscate their DS's for the night though.
Now that the details of the divorce have been figured out, I sit here thinking... Now what? What do I put my efforts in to now? I was worried I hadn't put enough time into my divorce documents, however after looking at DH's documents, I was FAR more detailed than he was. I must admit, his lack of detail put a slight smile on my face. Considering how I would get criticized for my laziness, his work seemed a bit half-ass to me. And while yes, my work schedule is a bit unconventional, up to now I HAVE had the boys more of the time than he has. So... HA!
But really... What now? Where do I concentrate my efforts? I am thinking job searching would be a good route. And reading a book I picked up at church that Pastor Mike wrote, Money Matters. The topic of bankruptcy came up at both the therapist's office and at court today, and I am mixed on the subject. While yes, it would be nice to have my creditors off my back, I have guilty feelings about writing off my debt. I got myself into this mess. To me, I really should try to get myself out of it. Unfortunately I know the debt will take longer to pay off then the seven years a bankruptcy will stay on my record, especially in my current employment situation. I guess this is something I will REALLY need to think through.
Despite the fact that I myself went to a therapist today, I have been giving a lot of thought to what I would like to do with my life. And I've realized that I love helping, or rather attempting to help people. An ad keeps coming up on Facebook for a degree to become a Christian therapists, and I clicked on it today just to see what it's about. I'm not going to deny that the thought of going back to school and accruing even more debt scares the shit out of me, but I really don't think that design is my calling. I REALLY want to help people. But perhaps I should sit/sleep on this thought for a while... At least a few months if not a year. Thing 2 will be in Kindergarten in the fall, and life may or may not become simpler then.
The boys have finally migrated their way upstairs to bed, however I know they will be up for a while as Penny has found something to bark her head off at. And while I know they should go to sleep, I am somewhat comforted by the sounds of their voices. I supposed I should go confiscate their DS's for the night though.
Now that the details of the divorce have been figured out, I sit here thinking... Now what? What do I put my efforts in to now? I was worried I hadn't put enough time into my divorce documents, however after looking at DH's documents, I was FAR more detailed than he was. I must admit, his lack of detail put a slight smile on my face. Considering how I would get criticized for my laziness, his work seemed a bit half-ass to me. And while yes, my work schedule is a bit unconventional, up to now I HAVE had the boys more of the time than he has. So... HA!
But really... What now? Where do I concentrate my efforts? I am thinking job searching would be a good route. And reading a book I picked up at church that Pastor Mike wrote, Money Matters. The topic of bankruptcy came up at both the therapist's office and at court today, and I am mixed on the subject. While yes, it would be nice to have my creditors off my back, I have guilty feelings about writing off my debt. I got myself into this mess. To me, I really should try to get myself out of it. Unfortunately I know the debt will take longer to pay off then the seven years a bankruptcy will stay on my record, especially in my current employment situation. I guess this is something I will REALLY need to think through.
Despite the fact that I myself went to a therapist today, I have been giving a lot of thought to what I would like to do with my life. And I've realized that I love helping, or rather attempting to help people. An ad keeps coming up on Facebook for a degree to become a Christian therapists, and I clicked on it today just to see what it's about. I'm not going to deny that the thought of going back to school and accruing even more debt scares the shit out of me, but I really don't think that design is my calling. I REALLY want to help people. But perhaps I should sit/sleep on this thought for a while... At least a few months if not a year. Thing 2 will be in Kindergarten in the fall, and life may or may not become simpler then.
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