How has your like changed in a Ch 13?

[Jeffster1]

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@Minimalist wrote:

I'll likely be filing in the next few weeks to a month.  

First couple of months after filing will be learning to live off cash, budgeting accordingly, and building up savings and sinking funds to avoid debt in the future. Been using YNAB for budgeting, but this will allow me to use it to it's fullest extent. 

 - Build up several funds to provide a security blanket should things go wrong again, Checking Buffer (1 months expenses x 1.5, or about $6K if my calculations are correct), Cash Reserve (Non-Emergency Fund, for stuff that's still important, 3 months expenses x 1.5), and an Emergency Fund (6 months expenses x 1.5)

 - Once my reserves are close to five figures, automate all my bills, and will probably look at obtaining one credit card and sticking with that for the forseeable future.   Probably just use it for Gas, Online Purchases and whatever subscriptions I might have.  Then use cash/debit for everything else. No worries with security since I use Apple Pay for 99 percent of all transactions, credit or debit.

 - Get back to my Minimalist/Delayed Gratification ways and get my life back in order, get back to work, finish my degree and live again. 

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If you are not in a 100% plan, your trustee is likely to come after you for an increase in your monthly payments if they see that you are saving relatively substantial sums of money, 

[Minimalist]

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@Jeffster1 wrote:

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@Minimalist wrote:

I'll likely be filing in the next few weeks to a month.  

First couple of months after filing will be learning to live off cash, budgeting accordingly, and building up savings and sinking funds to avoid debt in the future. Been using YNAB for budgeting, but this will allow me to use it to it's fullest extent. 

 - Build up several funds to provide a security blanket should things go wrong again, Checking Buffer (1 months expenses x 1.5, or about $6K if my calculations are correct), Cash Reserve (Non-Emergency Fund, for stuff that's still important, 3 months expenses x 1.5), and an Emergency Fund (6 months expenses x 1.5)

 - Once my reserves are close to five figures, automate all my bills, and will probably look at obtaining one credit card and sticking with that for the forseeable future.   Probably just use it for Gas, Online Purchases and whatever subscriptions I might have.  Then use cash/debit for everything else. No worries with security since I use Apple Pay for 99 percent of all transactions, credit or debit.

 - Get back to my Minimalist/Delayed Gratification ways and get my life back in order, get back to work, finish my degree and live again. 

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If you are not in a 100% plan, your trustee is likely to come after you for an increase in your monthly payments if they see that you are saving relatively substantial sums of money, 

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Forgot to mention, in my case it'll be a 7.  No worries!

[Horseshoez]

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@Horseshoez wrote:

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@Horseshoez wrote:

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@coreyb80 wrote:

Great to hear! You'll get it!!

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Thanks @coreyb80!

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Quick update, Google HR reached out to me today and verbally gave me my offer; I told them I'd accept the it without changes, and was told they'll have an official Offer Letter in my hands either late this week or early next week.  It feels kind of strange being well past retirement age and being offered such a cool job.

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And one more update; there was a management shakup shortly after I got the verbal offer so everything was put on hold; it took another three weeks to get the offer letter.  I start in a few weeks. 

[Horseshoez]

Two more days at my current job, the amount of work they are piling on me is a bit stressful; cannot wait until tomorrow night when I ship their laptop back to them and then take a week off.  I start at Google on the 21st.  

[TheCloudX2]

Congrats @Horseshoez for your new role!

@jetsfan2013 this is a great quesiton. My wife and I filed Ch13 in May. We've made two payments so far. Although we filed in May, we've been living as if we were in BK for several months (lawyer took months to file) via a strict budget. Although being in BK is stressful in its own way, the freedom this has given us is hard to adequently state. Long story short, after lay offs for both of us and new jobs, we were negative every month and miserable. We tried working two jobs, but that just exhausted us and barely kept us afloat. Now, we're finally not having to chase our tails and can breathe.

We're saving money, not spending money. Our lawyer worked to get us approved to apply for a $500 secured credit card which I plan to try and obtain in September. This will just be for rebuilding credit only as we want to be able to buy a home once eligible. We have financial goals and have broken it down to monthly and yearly. We're actively learning how to enjoy life without buying "just things". It's been life changing and the weight off our shoulders has been a life saver. Before BK, we both struggled with depression, but since filing that has drastically improved. That in and of itself has made it worth it, let alone the relationship with money.