One year down Four to go!!

[lvmilizia]

Made the 12th payment this month, only 48 more to go!!! Still not confirmed, but in AZ time wise this does not matter, 5 years starts date filed. No really issue, I just think the trustee is backed up work wise. We can do it!!! I keep telling myself we were paying out more to creditors before the 13, but did not seem it because it was in little pieces, now it is just one big payment so it seems worst, plus learning to live on cash only no credit!!! We Can do it!!!

[jkmommy]

You can do it! We are 62 months out. Waiting for discharge soon. Good luck!

[jange]

I think the 1st year was the hardest. Yes you can do it! Just keep going forward and count off the months.

[switch625]

I'm at 1.5 years in, 3.5 to go. We just keep on keepin on.

[LadyInTheRed]

lvmilizia, congratulations on getting through the first year. Yes, you can do it!

[spidge]

Congrats on your progress. My first year was quite tough too, but the second half of 2014 was worse for a couple employment and injury reasons.

Just keep setting yourself up to be in a good place so the hardships will roll right on by.

[dmc-2008]

You got this!

[Amadan]

Yes, the first year is the toughest. Just make sure you start setting some money aside for unexpected circumstances. We were using the Dave Ramsey envelope system so we were just putting away anything "left over" $5-10 bucks at a time. Felt so received when we reached $500 as an "emergency fund". Came in handy when we needed truck needed and then new tires. Good luck, you got this!