This month we are at the halfway mark of the 5 yr Chapter 13!!!
It's all downhill from here, hopefully more figuratively than literal.
I also made the PAY OFF payment on our mortgage today. They didn't waste any time I checked my app in the bank parking lot and the loan is gone. It was a little complicated since they had to go through the BK department, even though I called ahead and asked what to do. I was told show and pay; it didn't go quite that easily. Oh, it was easy just took a longer time since the teller had to get a manager to help her and then they had to make calls. I was patient which the teller thanked me over and over, but honestly aside from being patient since it's the right thing to do I was worried inside--what if there's hoops to jump through via BK. I did not call my attorney since it was all known in the Confirmation papers and I was not required to pay more into the plan at the end of the loan. I am required to pay more when my car loan is paid off, which is approximately the last 6 or 8 months of BK.
As for the "problems" we incur during the course of BK. I don't think I posted that my husband's car had the brakes go out, we knew it was coming. After months of car sharing, then our adult daughter buying a car and then my husband having a car to drive we are once again car sharing. He took it bad. But we knew it was coming. The good news is that there's about $1,000 in escrow we should be receiving and next month we don't have a mortgage payment so I think around Nov 1st we will be able to get the brakes and the tires replaced and the car should be good to go.
I will find out more about the house taxes. A few people I know told me you can pay by the month, so I hope that that is the case instead of having to save up for 6 months then pay in a big chunk. I rather get a monthly bill and pay it.
I have not got work on my second job and even though things are opening up I am hesitant to work elsewhere. I saw a great looking job advertised, but didn't even try. If I get covid I am out of work for 10 days as is my spouse. He gets paid if he's out I do not, well I only get the PTO I have which is less than 2 weeks. Plus at this time we have to be covid tested anywhere from weekly to monthly or even a few times a week depending on various variables in a nursing home and /or county. I decided just to hang tight for a while. Part of me feels like it's the calm before the storm of the next Covid break out. The President is tested daily and still came down with Covid, I know testing isn't a cure it just stops it from spreading further as we are contagious before we test positive! I was negative as of Tuesday, then again so was Trump before the debate!
Our young adult daughter is moving out of our home this week. I feel like I am doing things wrong since I am spending money to help her with the move. My brain tells me I shouldn't, my husband is not too thrilled. She had a pay cut instead of having her decent pay and a raise, but at least she kept her job at home. I having been buying a little here and little there since we have known in advance (waiting on the people to move out of the apartment), buying some stuff like shampoo, cleaning supplies, spices, etc each week when I shop. I also am paying the movers because before Covid struck I had told her whenever you move I will pay movers since we can't carry furniture! I didn't feel like I could say no especially after her pay cut. I will add she is buying her own furniture and other items to start up. Since she has lived at home she basically needs everything and even going inexpensive it still adds up. She's not one to go totally frugal/freebies as I probably would have at her age.
The budget is crunched, but it should start getting better after she moves. Her pay isn't expected to go back to "normal" until April if all goes well with the business.
Overall the course is fairly positive, not easy and I don't feel "happy," but we can manage and I have learned not to worry as much and the worry I do have is not as intense as it was pre-BK. And I block out or ignore anything that makes me squirm "what if?" because there are some real scary scenarios out there!
It's all downhill from here, hopefully more figuratively than literal.
I also made the PAY OFF payment on our mortgage today. They didn't waste any time I checked my app in the bank parking lot and the loan is gone. It was a little complicated since they had to go through the BK department, even though I called ahead and asked what to do. I was told show and pay; it didn't go quite that easily. Oh, it was easy just took a longer time since the teller had to get a manager to help her and then they had to make calls. I was patient which the teller thanked me over and over, but honestly aside from being patient since it's the right thing to do I was worried inside--what if there's hoops to jump through via BK. I did not call my attorney since it was all known in the Confirmation papers and I was not required to pay more into the plan at the end of the loan. I am required to pay more when my car loan is paid off, which is approximately the last 6 or 8 months of BK.
As for the "problems" we incur during the course of BK. I don't think I posted that my husband's car had the brakes go out, we knew it was coming. After months of car sharing, then our adult daughter buying a car and then my husband having a car to drive we are once again car sharing. He took it bad. But we knew it was coming. The good news is that there's about $1,000 in escrow we should be receiving and next month we don't have a mortgage payment so I think around Nov 1st we will be able to get the brakes and the tires replaced and the car should be good to go.
I will find out more about the house taxes. A few people I know told me you can pay by the month, so I hope that that is the case instead of having to save up for 6 months then pay in a big chunk. I rather get a monthly bill and pay it.
I have not got work on my second job and even though things are opening up I am hesitant to work elsewhere. I saw a great looking job advertised, but didn't even try. If I get covid I am out of work for 10 days as is my spouse. He gets paid if he's out I do not, well I only get the PTO I have which is less than 2 weeks. Plus at this time we have to be covid tested anywhere from weekly to monthly or even a few times a week depending on various variables in a nursing home and /or county. I decided just to hang tight for a while. Part of me feels like it's the calm before the storm of the next Covid break out. The President is tested daily and still came down with Covid, I know testing isn't a cure it just stops it from spreading further as we are contagious before we test positive! I was negative as of Tuesday, then again so was Trump before the debate!
Our young adult daughter is moving out of our home this week. I feel like I am doing things wrong since I am spending money to help her with the move. My brain tells me I shouldn't, my husband is not too thrilled. She had a pay cut instead of having her decent pay and a raise, but at least she kept her job at home. I having been buying a little here and little there since we have known in advance (waiting on the people to move out of the apartment), buying some stuff like shampoo, cleaning supplies, spices, etc each week when I shop. I also am paying the movers because before Covid struck I had told her whenever you move I will pay movers since we can't carry furniture! I didn't feel like I could say no especially after her pay cut. I will add she is buying her own furniture and other items to start up. Since she has lived at home she basically needs everything and even going inexpensive it still adds up. She's not one to go totally frugal/freebies as I probably would have at her age.
The budget is crunched, but it should start getting better after she moves. Her pay isn't expected to go back to "normal" until April if all goes well with the business.
Overall the course is fairly positive, not easy and I don't feel "happy," but we can manage and I have learned not to worry as much and the worry I do have is not as intense as it was pre-BK. And I block out or ignore anything that makes me squirm "what if?" because there are some real scary scenarios out there!
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