D-DAY







Well, tomorrow (Monday, Jan. 11th, 2010) is 'D-Day' for us--'D' being the big decision on our bankruptcy filing by a court mediator.

We've done both sessions of the on-line credit counseling (pre and post filing, as required) and the rest is out of our hands.

While things have indeed been better with the garnishment being stopped, thus giving us some breathing room for the first time in about a year and a half, Ed and I are acutely aware that things can go either way for us tomorrow.

The court appointed mediator can overturn everything and indeed find us liable and responsible for all debts--with the biggest one being over $30,000 (not including the incurred interest which brings the total to likely well over $50,000) for the second on the house we lost a year and a half ago.

Our attorney isn't foreseeing any trouble but the truth is--we just don't know.

IF everything goes as we hope, we won't know what to do first; smile in relief or cry.

Likely both.

When all is said and done, Ed and I will be sitting down this week and figuring out where to go from here money wise; look at different money market accounts, figure out how to best build our interest, how much to spend each month and on what, how much to start re-paying the personal loans that helped get us through this year (Ed's parents) and what we can afford for B's education, etc.

Then, I will also be changing my blog title to; 'The End Of The Rainbow: Life After Bankruptcy'.














If anyone is willing to help me with graphics on my new blog (that is should things indeed go well tomorrow) then I would be immensely grateful.

Blogging has been such as important part of my life these past six months, sad as that sounds, but I hope to be able to not only change the tone of my blog (thus hopefully no longer being the 'sad housewife') but also start living again.

Perhaps that pot of gold at the end of the rainbow has been attainable all along--and I will have learned that I am indeed in control of how my own happy ending plays out...and be able to take you all along for the ride.

















So, here's to the end of the rainbow, that elusive pot of gold (i.e. debt free and happy) and steering my own course towards a happy ending.













I'll be back tomorrow with an update on how things went...well wishes and prayers gladly accepted and appreciated.

Peace, love, happiness and health,
~Jo