This Blog is My Story-What's Yours

I've been a bit crazed with a couple projects, sorry for the lack of posts. Things should settle down next week, I hope and I pray they do!

Like all blogs, this is my story of my bankruptcy and coming back from it. Not everyone who has gone or is going through a BK has a blog.

I'd like to use this space to share some people's stories should you care to share.  I'm asking my readers to send me a "guest post" on what your story is and what you are doing either pre-BK or post BK.  It can be as long or as short as you would like.

If you are in a sharing mood, please contact me at:

bouncingback22008   at yahoo.com

Have a great week all!

Neighbor's Kid Update

My neighbors kid had her court date this week. She was lucky, she got off with a small fine and 25 hours of community serivce. According to her mother, the kid was actually showing some remorse about the situation. Her mother thinks that the seperation from her friends who were also arrested helped this kids attitude a bit. There was no misery in numbers and she probably got some fair time to think about the situation. The kid has been working with her dad (he is a landscaper) and will select her community service this week. The court has a list of organizations in which to choose from.

My neighbor did say that she was "giving in" to the kid a bit. My neighbor knows she struggles with giving in to her kids and just has felt that she has "denied" them so much this past summer that she was just getting tired of saying no. She did also say that when said child was sulking about the arrest, boyfriend and housing situation that she simply grow up, get a job, move out and not rely on the parents to pay for everthing. I was told that the kid had a look of shock on her face. My neighbor and I both figured that the kid thought her parents would give in and give her money for this "adventure".

Oh well, we are both hoping this was a painful lesson learned and that the kid might not make it again.

What has this got to do with personal finance? Not much at first glance, but this does go on this kids permanent record and could impact future jobs, rental prospects. I don't think she realizes that some companies and landlords are very particular about employees/tenants having clean records. I know my office makes it clear that they run a criminal record search on all employees as part of the application process. You just never know what will make an employer reject your application.

Mercury Is In Retrograde-Hence The Computer Issues, BUT Here are the Give-A-Away Winners

Mercury is in retrograde and I've been having all sorts of problems with my old computer. Sigh...

Non the less, I am finally able to post my give a way winners. I will be sending an e-mail to my winners. Thanks to everyone who posted in my comments and contacted me by e-mail My three winners are

Vanessa-vgssgc@------------

Frannie-Italiangirl_____@---------

and oneeighteenfifteen@____________

Your sample boxes are wrapped and ready to be shipped! Once I get your mailing addy, I will drop in the mail.

Thanks for your patience!

August Was Expensive! Plus a few Updates

Failure to plan properly cost me dearly.  I had some bills come up that I was not expecting until Sept or October and since I did not plan properly, I had to dip in to my Efund to cover them.  I had a home insurance payment that I was not expecting to be so high, but I neglected to read the fine print on the last bill that stated the company for future billing,  they would bill you either twice a year or once a year. In the past two years, the payments were spread over three invoices and I was not expecting to have to pay sooo much. So be it,  shame on me for not reading the fine print.  The other unexpected bill was my mobile bill. I've been using my phone a lot more these past few months, so much so that I keep getting hit with outrageous overage charges.  I did the adult thing, reviewed my bills for the past 5 months, went to the web site, reviewed other plan options and found a new plan that should cover the minutes I've been using. It's $39 per month instead of $23 per month, but since my last 4 bills have all been over $50, I think this should help me out budget wise, especially since I know I'll be using the phone a lot over the next two months. I had some fun to me time, that while not exceptionally expensive did cost me some $$$. I signed up for a friends and family plan that gives me unlimited mintues to select numbers which will be very helpful since I pretty much only call the same 6 people time and time again.

The good news for me is I will be picking up more weekends at my weekend job. I caught up face to face with my weekend boss and we discussed the work situation.  He has still not heard from my co-worker aobut her inpending surgery, but has heard about it from everyone else.  Pretty much, I'm going to just drop back in to my old schedule as soon as she is off on her medical leave.  My co-worker just has to tell me when she will be unable to work and I slide back into the old routine.  Which is good, I have to replenish my E-Fund and I want to build back up a cushion in my checking account.

I'm continuing on my scan fest.  My initial zest wore off, but every few days I scan a pile of papers, then shread them.  My filing cabinets are getting nice and empty!

Contest Results To Be Posted Tomorrow

Sorry for the delay, but I've been without internet access at home and work has been crazy in a good way! I will have the contest results posted by tomorrow AM. Thanks to everyone who responded!

Hope you all had a great holiday weekend.

BB

More Drama Across The Road

Just to add to my neighbors already overloaded plate.  Child number two gets picked up by the police and arrested this past weekend for having drug paraphernalia in her back pack.  The car she was riding in got pulled over and to make a long story short, all the passengers got frisked and checked out and she got snagged.  So did three of the other occupants.  My neighbor got a call to come down to the local police station at some ungodly hour of the night. She was so angry at her child that she did not want to bail her out. She wanted to leave her there until Sunday or Monday. The police discharged the kid anyway and set a court date for a few weeks from now. Again, this kid had almost no remorse about what had happened and in fact gave her mother lip when they got home about "how she did not care" if she got arrested and it was "bogus" since she only had the paraphernalia on her and no drugs.  And she copped an attitude when her parents said she was grounded, could not use the car and could not have her friends over.  She started on the I'm over 18 BS, you can't ground me and my neighbor said fine, go leave, get your own place. Which we know won't happen since child #2 has no money.  Plus this apartment she was going to move into to be with/near her boyfriend was going to be funded by boyfriends mother. Not anymore.  Boyfriends mother made it very clear that she would help her son with a place to live since he was going to a school that did not provide housing, not to allow son's girlfriend and these other folks to sponge off of her rent payments. Since said boyfreind also got arrested at the same time boyfriends mother is not thinking happy thoughts about his choice of friends at this point in time.  My neighbor has to take the day off work without pay to accompany child #2 to court in a few weeks.  She can't spare that money, but has to do this.  She also can't afford a lawyer, I don't know what the kid will do or what the Public Defender will do.

I did all I could do which was sit on my couch, offer my neighbor glass after glass of wine, listen to the whole story and shake my head. My neighbor left this AM for her vacation.  I gave her $40 and told her spend it foolishly on herself.  I can truly say she needed the $40 more than I do.

My Mortgage Will Be Increasing

Ugh, I opened the mail the other day and had a notice from my bank. Due to the increase in my property taxes, my mortgage payment is increasing. Not by a little, but by $144 a month.  Sigh, it's always something.  My town had a property re-evaluation, my house increased in value and thus my property taxes have gone up.  When I got the notice in the mail from the assessors office, I ran some comp statistics from the MLS and came up with a fairly similar figure. I will say that even though my house is small, it is retaining value.  Being on a lake does help and at least I'm not underwater on the mortgage (the Escape is a different story......).

My escrow balance took a hit for the 2nd yearly payment and my mortgage payment will be increased to build back up the escrow balance and to create a cushion for the 2010 property taxes.  Time for a little budget re-evalution!