Welcome back to my blog, now that I am starting anew, having commenced the act of filing for chapter 7 bankruptcy. That's right. Barring any unforeseen disqualification, I won't be able to bitch about my financial woes for much longer. I will, however, be able to keep my car! Of course, I will still be making payments on it. This, in part, because I need my car for my work. It's also, more so in part, for reasons that anybody who really knows me, or who pays attention to hints I've dropped in this here blog, that I like my little hoopty mobile. I like it quite a bit. I like it so much I put a picture of it on my blogs sidebar. That, and I am a driver, and although I was already driving VW's before their "Drivers Wanted" campaign, I haven't driven another brand that I felt more in tune with than VW. It's my little red rocket, see. I've had a few Jettas before, and even though I miss the ultimate awesomeness that was my '04 Jetta TDI (which I had one hell of a time parting with, including some tears), I have grown to appreciate my '02 GTI 1.8T 5-speed quite a bit.
Anyway, back to the old chapter 7. As many of you know, I have been struggling in a losing uphill battle with money. Me and money have always been at war. You could even say that money is my nemesis, my arch rival, my evil twin (?). I don't see how money can be any kind of twin, as it's mostly cotton, and, well cotton, and I am more flesh and blood, although I do wear cotton weaves, like jeans and such. I think you get the point though. For years now, I have been struggling with the debt I got myself into in my mid-twenties. I have not had any access to any type of credit for the last 4 years, and for the last few years I had been on a credit protection program. When the shit hit the fan ,twice, last year, I ended up losing that protection, and all my creditors came back in a rather furious manner. That was almost amusing, because since my cell phone was turned off a few months ago, they had to resort to snail mail threats. That was freaky when I got my very first repo threat on a car I've owned, but that was taken care of. Everybody else though, didn't seem as scary. I was, however, shaking in my boots. I don't own any boots, but shaking in my sneakers didn't have the same ring to it. It's a shitty feeling when you can't find a job for a couple of months, and you have no savings to fall back on. When I finally did find a job, it wasn't going to be paying the bills, as it is part time, and I'm making the wages of a tipped wage employee (not very much). What that means is that I can keep up with my car payments, some fuel for my car, my car insurance, and my non-contract phone bill, and that's about it. Anybody who has missed one monthly payment on a credit card knows just how quickly the late fee's add up. As some of you know, Obama slammed the big hammer down on credit card companies a couple of years ago, disallowing them to randomly jack up interest rates for a mere late payment, or just because they wanted to make more money off of us simpletons. Unfortunately, my creditors had already done that, repeatedly, before the presidency changed. So for a $100 retainer (that's 50 pound to my European followers) I am beginning the process of saying "so long, and thanks for all the fish", I mean headaches. For another $1,349 (around 700 quid) I can be free of the shackles I've be bound with for years now. And good riddance. And, as an added bonus, since my credit score is already so craptacular, it will actually go up, instead of further down! The so called con (to the pro)? Sure, no mansion purchases for a couple of years. Damn! Oh, that, and my lawyer has the limpest handshake I've run into in a while. But hey, it's not like I have to deal with him that much, so no big deal. So hopefully this chapter 7 filing will help lead me to a new chapter in my adult life. I just feel bad for the mail carriers who will only have one bill to deliver to me soon! Maybe I will sign up for some unneeded catalogs, just to give them some job security back.
In other news, it has come to my attention that I may now, for the first time ever, have some coworkers reading my blog. Oh crap! Now I really have to censor what I write in the cyber world! On that note, I'd like to let it be known that when I might give you a somewhat blank stare, and fail to jump up and down, clapping my hands in excitement over some menial task, it doesn't mean that I won't do the task, but more that I have other shit going on. I will get to the task. If I ask followup questions, it's because I would appreciate clear cut instructions. I am not a super happy person, and I don't like people to assume that I already think that everything kitchen related is second nature after a few months of not actually doing kitchen work regularly. That is all.
Now then, to those of you who get notification of a new post from me. You may have been super thrilled last month, when you were notified that I had a new post, with a fancy title, only to find that it wasn't actually there. I apologize for any confusion that caused. I had decided to actually go into detail about the time I spent with my friend, from June of 2009 through October of 2010. After about five hours of posting it, I decided that this wasn't the place to share such events, so I took it down. In brief, I'd just like to say this: If you know somebody that has psychological misfortunes, do not step aside and think that it will pan out. Please try to make sure they get the help they need. It will not be fun, or easy, or pretty, or anything you really want to do, but damn. mental illness is a serious issue, and anything you can do to get them into the right hands is something worth doing for a true friend, or family member. Ignoring it will not make it go away.
Alright, that is about all the rambling I have in me for now. I hope everyone is doing well, and that none of you have forgotten to spend some time in good company, with some good music, and some good eats. Continued reminders to laugh once in a while too, maybe even smile if a laugh isn't needed or appropriate. Until next time, peace out y'all!
(To my English followers, my US computer wouldn't convert the $ to the pound sign either though Windows, or through Blogspot. I tried, I really did.)