Join me will you?? Haha. Really, this is just a post for those with hopefully likemindedness who don't think I'm totally crazy to think that what I will be doing would be totally nuts.
Okay, recap, then plan of action. Recap is, hubby passed away last month. Long time battling cancer. Not fun in any way, shape, or form, for anyone. Poor dear man was truly one of a kind. Would never find another like him and never plan to.
So here I am, widowed. I am unemployed and unable to work for 3 1/2 more months, thanks to my stupidness and broken wrist. This external fixator is hideous, ugh.. Anyways, it does force me to do nothing, which in a good way gives me time to grieve and think. I do have medical debt coming my way, yessir. Here is where I need some wisdom and thoughts. I've had the suggestion I should file bancruptcy. If done, they take what little bit of life insurance I will get. It's gone. Yes, medical would be gone. Credit gone. I'm okay with the credit. Not really okay with having nothing to live on. On top of, both of my professions are not really feasible. Xray tech: although good income, i would have to drive 2 hours to find work as my rural area is saturated with techs. Hair: not stable for a long time (good year to get steady clientele), start up costs, etc. Both of those would be to satisfy this mortgage. Work work work to pay for something... that I don't really need??
House: $900 month. Not bad, but not good for a single person. 3 bed, 2 bath, fomal dining, all the heavy, nice furniture that it encases. Heating and cooling it. Do I need that?? My daughter, who lives here and pays half, has already expressed a desire to have her own space. I don't blame her one bit, she makes good money and I would feel the same in her shoes. And although it is helping me at the time, I have to think ahead.
So... if it were you... in these shoes... what would you do?
Here is my plan of action/going off the deep end: Sell it. Do not file bankruptcy and pay them monthly what I can. If they don't accept it and haul me into court, my credit is dinged same as bankruptcy, no? Let me stand in front of a judge with 0$ income and tell them I can't pay more. Whatever. Sell the home, which I should be able to make a profit on (we bought for 105k, the hubbies friend just wanted to be out of it after divorce, had it appraised for 140k the year before, houses selling very well here). Get rid of the expensive heavy furniture, sell it, it's paid for so it's cool. Never been one to be happy with 'stuff' anyways. Honestly, it's weighing me down.
My going off the deep end: With what cash I do have coming my way, buy land and something cheap to house in, paid for. No mortgage. Smaller, less to furnish, cool and heat. Get rid of 'stuff' and downsize extreme. I am one person. And be able to breath. Means I wouldn't have to make a lot. Means I can do something for a living that I enjoy, not work tons of hours just to pay for too much space I don't need that I'm never there to enjoy. I would have time to do things I want to do. Like garden. I have a black thumb, I admit, but would love to learn. Fish. Never knew how. Have never canned. Grow a veggie garden. Go camping again, whereas before there was never time with work work work... Really, what does one person NEED? A place to sleep, cook, go to the bathroom. What does society think we NEED? The big house, big car, and lots and lots of 'stuff'. Me, I need to breath!! And not worry about how I'm going to pay for everything every month. Knowing my husband as I do, it would hurt him to know it kept me up at nights worrying about money. He'd be behind this thought 100%, as he always has been (he was when I got it in my head to get debt free ).
If you were able, would you do what I'm thinking doing?? I do this, and have those jerko docs wanting their little bit after the insurance already paid and me paying what I can and take me to court, i'm sittin there with a tiny paid for house and car. Would a judge take it from me? No, you need a place to live and a way to ge to work. Am already looking into drafting a letter to ask for medical forgiveness, wouldn't hurt. Until then, the multitude of peeps (around 20) will get $5 a month until it's gone. Later when I'm able to work, will work on saving up and asking if they'll accept 'x' amount to call it good. For now, though....
Am I crazy??
Okay, recap, then plan of action. Recap is, hubby passed away last month. Long time battling cancer. Not fun in any way, shape, or form, for anyone. Poor dear man was truly one of a kind. Would never find another like him and never plan to.
So here I am, widowed. I am unemployed and unable to work for 3 1/2 more months, thanks to my stupidness and broken wrist. This external fixator is hideous, ugh.. Anyways, it does force me to do nothing, which in a good way gives me time to grieve and think. I do have medical debt coming my way, yessir. Here is where I need some wisdom and thoughts. I've had the suggestion I should file bancruptcy. If done, they take what little bit of life insurance I will get. It's gone. Yes, medical would be gone. Credit gone. I'm okay with the credit. Not really okay with having nothing to live on. On top of, both of my professions are not really feasible. Xray tech: although good income, i would have to drive 2 hours to find work as my rural area is saturated with techs. Hair: not stable for a long time (good year to get steady clientele), start up costs, etc. Both of those would be to satisfy this mortgage. Work work work to pay for something... that I don't really need??
House: $900 month. Not bad, but not good for a single person. 3 bed, 2 bath, fomal dining, all the heavy, nice furniture that it encases. Heating and cooling it. Do I need that?? My daughter, who lives here and pays half, has already expressed a desire to have her own space. I don't blame her one bit, she makes good money and I would feel the same in her shoes. And although it is helping me at the time, I have to think ahead.
So... if it were you... in these shoes... what would you do?
Here is my plan of action/going off the deep end: Sell it. Do not file bankruptcy and pay them monthly what I can. If they don't accept it and haul me into court, my credit is dinged same as bankruptcy, no? Let me stand in front of a judge with 0$ income and tell them I can't pay more. Whatever. Sell the home, which I should be able to make a profit on (we bought for 105k, the hubbies friend just wanted to be out of it after divorce, had it appraised for 140k the year before, houses selling very well here). Get rid of the expensive heavy furniture, sell it, it's paid for so it's cool. Never been one to be happy with 'stuff' anyways. Honestly, it's weighing me down.
My going off the deep end: With what cash I do have coming my way, buy land and something cheap to house in, paid for. No mortgage. Smaller, less to furnish, cool and heat. Get rid of 'stuff' and downsize extreme. I am one person. And be able to breath. Means I wouldn't have to make a lot. Means I can do something for a living that I enjoy, not work tons of hours just to pay for too much space I don't need that I'm never there to enjoy. I would have time to do things I want to do. Like garden. I have a black thumb, I admit, but would love to learn. Fish. Never knew how. Have never canned. Grow a veggie garden. Go camping again, whereas before there was never time with work work work... Really, what does one person NEED? A place to sleep, cook, go to the bathroom. What does society think we NEED? The big house, big car, and lots and lots of 'stuff'. Me, I need to breath!! And not worry about how I'm going to pay for everything every month. Knowing my husband as I do, it would hurt him to know it kept me up at nights worrying about money. He'd be behind this thought 100%, as he always has been (he was when I got it in my head to get debt free ).
If you were able, would you do what I'm thinking doing?? I do this, and have those jerko docs wanting their little bit after the insurance already paid and me paying what I can and take me to court, i'm sittin there with a tiny paid for house and car. Would a judge take it from me? No, you need a place to live and a way to ge to work. Am already looking into drafting a letter to ask for medical forgiveness, wouldn't hurt. Until then, the multitude of peeps (around 20) will get $5 a month until it's gone. Later when I'm able to work, will work on saving up and asking if they'll accept 'x' amount to call it good. For now, though....
Am I crazy??