I made choices and I have to deal with those choices…
In the never ending drama that is my financial life, I had to part with my dear Marvin. He was a great little car, and I loved all the adventures that we had. It was technically our wedding vehicle. But alas, the payment became too much to pay for in Phoenix, and I had to move on.
And like all good pictures of me, they are taken from behind and without me in the picture, here is my new method of conveyance. It’s name until I come up with a name for it is “4 Wheels & An Engine.”
My thoughts right now…
I’m going to make a whole bunch of stickers and cover the back window with kid stick figures and just one adult stick figure.
It’s kinda creepy to have all that room behind me.
It’s got a big ass…
I am too young to be a mom… who drives a minivan… and orders from thirty-one… (so maybe just 2 out of 3…)
Smile and nod… It’s only temporary.
Please play. I want to read your answers.
Been Married – Yes
Been divorced – No
Fallen in love – Yes
Gone on a blind date – Yes
Skipped school- yes
Watched someone give birth – No
Watched someone die – Yes
Been to Canada – No
Been to Hawaii – Yes
Been to Las Vegas – Yes
Been to Washington (D.C.) – No
Visited Florida – Yes
Visited Mexico – Yes
Seen the Grand Canyon in person – Yes
Flown in a helicopter – No
Been on a cruise – No
Served on a jury – No
Been in a movie – No
Danced in the rain – Yes
Been to New York City – No
Played/Sung in a band – Yes
Sang karaoke- Yes
Laughed so much you cried – Yes
Laughed so hard you peed – No
Caught a snowflake on your tongue – Yes
Had children – No
Been sledding on big hill- No
Been downhill skiing – No
Been water skiing- No
Ridden a motorcycle – Yes
Jumped out of a plane – No
Been to a drive-in – Yes
Ridden a camel – No
Ridden a horse – Yes
Been on TV- Yes
Been in the newspaper- Yes (does the police blotter count?)
Stayed in the hospital – Yes
Donated blood – no
Gotten a piercing – No
Gotten a tattoo – No
Driven a stick shift vehicle – Yes, and poorly….
Been scuba diving – No
Been snorkeling – Yes
Ridden in the back of a police car- No
Gotten a speeding ticket – Um… many…
Broken a bone – Yes
Gotten stitches – Yes
Traveled alone- Yes
Now it’s your turn.
10 years ago I filed for bankruptcy, and while I didn’t change all my habits, I did do what I needed to do to be successful. When I didn’t have money, I didn’t have credit. When I started getting paid a decent wage again, I started to take on more credit and used it somewhat responsibly. Yes I made some purchases I didn’t need, but I wasn’t using credit to live on.
Trouble started when we moved back to Arizona. Long story short, Mark and I took a collective $20,000 a year pay cut and no matter how many side jobs I took (at one point, I was tutoring, babysitting, and proctoring), the bills and the stress were too damn much.
As we have gone through this process I have learned a number of things.
- Cutting my cable is going to change my financial life.
- Switching to riding on a public bus for 4 hours a day is going to change my financial life.
- Taking on a second job is going to change my financial life.
- My family and friends have all this extra money lying around and I can just ask them for it and change my financial life.
- I should have enough money saved equal to 6 months net pay and it will change my financial life.
- If I just started living in a cardboard box and showering at a truck stop every morning, I would have totally not have had to file bankruptcy and it would have changed my financial life…
Some fun things to note about the courses. During the bankruptcy cycle you have to take two courses, one pre-bankruptcy filing and the other post bankruptcy filing. The fun thing is the mandatory time limits. The first one is completely reasonable at 60 minutes. The second one is 120 minutes. Both could easily be done in half the allotted time. Mark and I didn’t even rush through either of them and we still had to go back and re-read sections 2-3-4 times to meet the time requirements.
Here are some tips that can help my friends and family, you know the ones with all the extra cash, if they ever experience times without all that extra cash.
Needless to say, Mark and I have been beyond stressed about this entire process. It is not something we have taken lightly, and it is not something we want to do again.
As I usually say #goodtimeshadbynoone!
This was too funny to not share!