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Broke but have to spend money

July 28th, 2011 at 06:48 pm

So yesterday we got our bankruptcy paperwork in the mail. We have our hearing date in late August. The thing that makes me laugh and go duh is the rules. I screwed up so I'm willing to pay the piper. My point is we had to take a credit counseling class before (and pay for it) and then to discharge our bankruptcy we have to take a debtor education class which will cost anywhere from $20 to $100. (I'm waiting for the attorney to tell me if there is a specific one). The reason we are filing bankruptcy is because we have no money, but hey let's go and make people spend more money to get out of debt. Genius.

Speaking of spending money. My car went kaput today. I was able to get to the place to fix it. Of course while fixing it they found something else wrong almost doubling the bill. The people were really nice though. They found me a $150 coupon online and are going to give me my next oil change free so that is cool. So instead of $1125 it was only $980. Luckily we have a credit card just for such emergencies or I would have been really S.O.L. I have a couple hundred bucks we saved and can put towards the card, but have to figure out where the rest comes from. If the plasma place would pay cash instead of debit card here, I would donate but they feel plastic is better. Go figure.

Otherwise, anytime that Karma or whatever it calls itself wants to stop making me the butt of some cosmic joke, that would be great. It can take its friend murphy with it. I have enough laws to deal with right now.

Okay, done whining. I don't have it as bad as some people and it will get better eventually.

3 Responses to “Broke but have to spend money”

  1. creditcardfree Says:

    It will get better. Why not still donate plasma? Use the debit card they give you for your regular cash expenses (i.e. groceries) and use the cash you would have otherwise used towards paying down this new debt. Does that makes sense?

  2. Joan.of.the.Arch Says:

    Yeah, I've always wondered how broke people could come up with the money for bankruptcy. ???

    That's a huge car repair bill. Oh, dear.

  3. LittleMsMom Says:

    My Ex-Husband used to donate plasma ALL the time before he moved out of state. Here on the day you donate/date it is credited; you can go down to a Card Approved ATM and withdrawl the cash without having to pay an ATM fee.

    Also the Debit Card is a Visa Card, so had you had money on the card you could have paid the car repairman with it.

    You might want to look into plasma donation again.

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