OK, I'm trying to get all my ducks in a row before I file-planning anyway-next year. hopefully in April. I am cutting down to NO overtime. I'm concerned about the means test.
I started another bank account in a different bank and will put my auto deposit from work there in the next few weeks. I pay my bills on line via BOA and will con't to do so but move my money from the new bank to BOA for amounts I send. I have joint account-with hubby-in BOA and he has auto deposit of his SS check.
I'm starting to save cash at home and, after reading some suggestions today, will prepay some utility bills, or just keep that money at home to pay it. I do have some repairs that could be make to our car.
I will only pay the minimum due on my credit cards. I just hope to keep them at bay so they won't call.
We have timeshares we are still paying on and will stop paying them. Am still concerned about our paid for home in TX-we live in GA, and have since '07, and what the BK will do with it.
I would like to go Ch 7, but will settle for a 13, if unavoidable. How does that sound for a start. Does anyone have any more suggestions? Any and all will be most welcome.
I started another bank account in a different bank and will put my auto deposit from work there in the next few weeks. I pay my bills on line via BOA and will con't to do so but move my money from the new bank to BOA for amounts I send. I have joint account-with hubby-in BOA and he has auto deposit of his SS check.
I'm starting to save cash at home and, after reading some suggestions today, will prepay some utility bills, or just keep that money at home to pay it. I do have some repairs that could be make to our car.
I will only pay the minimum due on my credit cards. I just hope to keep them at bay so they won't call.
We have timeshares we are still paying on and will stop paying them. Am still concerned about our paid for home in TX-we live in GA, and have since '07, and what the BK will do with it.
I would like to go Ch 7, but will settle for a 13, if unavoidable. How does that sound for a start. Does anyone have any more suggestions? Any and all will be most welcome.
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