Better to give up on 13?

[buckaroo]

i am somewhat confused, if income less than medium, and after expenses, there i money available than one ha to file 13 correct, i live on a mall penion and social security, have no assets whatoever but according to my attorney had to file 13 because of monies exceeding expenses was in excess of 100.00. i am in my 19th month of 36 month schedule, can i convert to 7

[nazstar]

Are you at least feeling ok physically? I know that the stress of the bankruptcy is part of the reason why my baby was early (10 days)---I was just totally spent from working full time up to the end, to the bankruptcy, to my older two kid's activities, etc....

I could be doing better. My OB was concerned about my blood pressure and I was suffering horribly from depression and anxiety. She put me on Zoloft after I told her I was scared that I started having suicidal thoughts (I have a history of depression, anxiety, panic attacks, etc). I sought help years ago and thus, was able to recognize the signs early and seek help again. I stopped the Zoloft, with my doctor's approval because it made me really sick. So, I am coping by doing relaxation techniques, talking to a counselor, etc.

All of the above is another reason why my husband wants to just file as soon as we can and get this thing behind us. He just wants a healthy wife and baby. If that means we are living on a shoestring for a year or so to qualify for 7, then so be it. I can handle living on a shoe string. It's funny. When I was making $29,000 a year, I was a happy person, even though I was always broke. I paid cash for everything and made do. Over the last 10 years, my income rises to $140,000 a year and it seems I have less money NOW then I did then. I really think there is something to be said for just taking a step out of everything and returning to the basics. I got caught up in the rat race and kept gunning for the next level. My priorities have changed now with the babies. In order to put them first (where they belong), my husband and I are willing to make the sacrifice. If we take care of this now, they won't have to suffer when they are older. For the next few years, we can get by with the basics - babies don't need much beyond a loving, safe environment, healthcare, food and pampers. Between all the grandparents, we have toys and clothes covered. I am pretty creative with stretching a dollar if I need to be. I just have to find that frame of mind again.

I won't let this beat me. I've dealt with worse in my life and I am so blessed to have a wonderful husband, a beautiful daughter, and another little bean on the way. I took the steps I needed to get my health and my baby's health back on track. My husband and I steal little moments to just hug each other and reconnect after the stress of our situation. I take more time to stop and play with my daughter instead of pouring over spreadsheets for hours a night, hoping I added something wrong (those totals just can't be right...). I will survive this and come out on the other side stronger. I am convinced of that.