Budget - thoughts!

[bugasbaby]

Morning...went through the numbers again last night with hubby and I think we are at peace with this...

I commute to work via public transportation to so I do not drive...hubby drives about 10 miles a day to a from work. $40 a week for gas is if we go visit his sister...I forgot to add my commuting expense in...it's only $90. a month but in NYC the trustee should already know that.

I am going to rerun them today a work and see how it goes...

[bugasbaby]

Hi again....ran through the numbers here and I think we are ok. Haircuts I moved into personal care...moved some things around...We are going to retain an attorney in the next few weeks. I want to have consults with at least one more. The first we went to has been doing this since 1968...has a small office...he seemed very knowledgeable..I now agree with his 100% payback when I ran the numbers and included bonuses. I'm pretty sure we will be at 100% before 5 years also...maybe less when hubby starts as an RN rather than a CNA..he will go from $15 an hour to about $35. That won't be fore 2 years but we will be in the planw hen he does. I know we will have to modify the plan, but the sooner I can get this chapter of my life closed the better. Thank you all so much for the info and support. It's amazing the support you get from strangers is sometime so much more than family and friends!

[SMinGA]

I think its a little hard to bare all to family/friends. Behind the anonymity of an online forum, however, its a little easier to face the facts.

[bugasbaby]

I only told two people...one was my boss...I was worried I would lose my job and my co-worker...she answers my phone sometimes and I didn't want her to wonder...we all know each other for years over 20. I know when my dad finds out he is going to have a fit but oh well...I am 39 and I made a few bad choices. Like he didn't LOL!

I reran the numbers and it looks like $800 left over a month right now...then when first 401k loan comes off $1,325. and second $1,625.

I am really starting to feel relieved....maybe I'll get a good night's sleep soon.

[Momof123]

Thank you all. I do have a car payment but have about a year and half left on the loan? Well I have contacted several local attorneys 2 didn't do 13's one said they only did creditor rights and one had a free initial consultation and the other one wants 200.00 up front but said that would be put into the attorney fees.