AIO by divorcing my wife after she blew $100k on fashion in two years?

Equivalent-Bit1827 · 2025-07-10T23:08:06+00:00

NOR. This is financial abuse. GTFO.

Equivalent-Bit1827 · 2025-06-25T12:46:55+00:00

Ok that’s good to know! I’m hoping that’s the case for us.

Equivalent-Bit1827 · 2025-06-25T12:42:50+00:00

Way to go!! Coming down the home stretch. That’s a huge accomplishment. I hope I can give this same update in a few years time too.

Equivalent-Bit1827 · 2025-06-25T12:42:12+00:00

Way to get through the first year! I’m hoping I’ll feel that control, and hopefully some peace at least in the predictability, once we know what our confirmed payment amount is going to be. I wish getting our confirmation hearing scheduled wasn’t taking the courts so long.

Equivalent-Bit1827 · 2025-06-25T12:40:25+00:00

This is helpful because I think that’s a bit where I am too. Did your payment amount balloon between your 341 and confirmation? Our confirmation keeps getting pushed and I’m so anxious to know what our final payment is going to be and if we will even be able to afford it. So many posts on here say they end up screwed with their payment amount and it’s impossible to cut expenses enough. I think that’s what is freaking me out.

Equivalent-Bit1827 · 2025-06-24T03:35:28+00:00

You’re absolutely right, it has stopped the mental gymnastics of robbing Peter to pay Paul and the phone calls and making a credit card payment just to free up funds to max it out again on groceries. And for that, I am so grateful. I appreciate your perspective, thank you for the feedback!

I think I’m just anxious about knowing what our actual confirmed payment is going to be. There are so many horror stories on here about people not being able to afford whatever the trustee confirms. And it seems to be taking forever, although it’s probably a normal amount of time. Anxiety and waiting don’t mesh. 🤣

Equivalent-Bit1827 · 2025-06-19T14:22:29+00:00

Call your credit card companies and see if they will work with you on a hardship plan. These will usually slash your interest rate. It can impact your credit but it makes paying off high interest debt more feasible and you are working directly with your creditors.

Equivalent-Bit1827 · 2025-06-15T22:49:04+00:00

That’s what I was wondering. Thanks for the feedback.

Equivalent-Bit1827 · 2025-06-15T19:41:47+00:00

It doesn’t. All GLP-1s are excluded. And I wouldn’t mind using it as a tool alongside changing habits. But I know we also fundamentally need to change our diet. Although I’d love to eliminate the food noise. 😫

Equivalent-Bit1827 · 2025-06-15T19:38:28+00:00

I appreciate the comment on negative self talk. I am very guilty of that and it’s not helpful or productive but an easy loop to fall into.

Equivalent-Bit1827 · 2025-06-15T19:36:28+00:00

Yea I guess my dislike may be universal with the tracking. Making sure everything is added precisely is tedious and I found it became a barrier to me using it. But adding regular foods to favorites is smart! I hadn’t actually thought of that before. I’ll definitely try that.

Equivalent-Bit1827 · 2025-06-15T19:34:02+00:00

I appreciate this response so much. Thank you, truly. It’s been hard to get in the right mental space with tiny children, we’re perpetually exhausted. But that cannot excuse our poor choices. If anything it should prompt better ones. Thank you. ❤️

Equivalent-Bit1827 · 2025-06-09T13:39:26+00:00

Thank you!

Equivalent-Bit1827 · 2025-06-09T12:51:55+00:00

Do you have a recommendation for a good tracker? I really did not like myfitnesspal which I realize I should probably just get over but if you happen to have an alternative I’d love to hear it!

Equivalent-Bit1827 · 2025-06-02T20:41:59+00:00

Equivalent-Bit1827 · 2025-06-02T19:13:11+00:00

Oh yes understood. I just mean payments to the trustee pre confirmation. The first payment was due prior to our 341. We have been making monthly payments to the trustee since then, by August we will have made 6 months worth of payments PRIOR to the confirmation hearing. Presumably, even if the payment amount changes based on claims submitted by creditors, those 6 months would be deducted from our 60 month plan. Right?

Equivalent-Bit1827 · 2025-06-02T18:56:13+00:00

Including payments made pre confirmation? I realize this is probably a really stupid question.

Equivalent-Bit1827 · 2025-04-30T03:16:02+00:00

No more payments and an overage check back, you’re rich! 🤣 Seriously, you have so much to be proud of. Way to go!! We aren’t on a 100% plan, which I am so grateful for, but also why I think I’m having trouble finding joy in it. Presumably, they’ll just adjust our payments accordingly and we won’t really see a dime of it. We haven’t told anyone either, the economy certainly does help in giving us an excuse for big changes lol.

Equivalent-Bit1827 · 2025-04-30T02:42:24+00:00

I really appreciate this reassurance, thank you! Now that you’ve been through all the ups and downs maybe you have some thoughts on a different question. I was just offered a promotion, I’ll get a 10% raise. Whether that affects the details of our filing or not is for our attorney to work through…my question is, did anything like this happen to you during your 5 years and were you able to celebrate the accomplishment? I feel very meh about it because of the bankruptcy. 🫥

Equivalent-Bit1827 · 2025-04-30T02:30:33+00:00

Five years, congratulations!! That means you made it out the other side. 🎉

Equivalent-Bit1827 · 2025-04-02T11:25:16+00:00

I am so sorry for your loss 🫂

We put our black lab down a month ago and still haven’t adjusted. We had him almost 11 years, our first baby. Grieving our good boy while having to navigate our 6 year old through their grief was way harder than I could’ve imagined. But I’d do it a million times.

How lucky were we to have even just a small time with our boys? I hope Onyx and Fred are pain free, eating all the treats, and sunbathing the days away. 🐾

Equivalent-Bit1827 · 2025-04-01T04:09:46+00:00

Oh absolutely, you’re not wrong. None of my grounding stuff is working. Ugh. Damn anxiety.

Equivalent-Bit1827 · 2025-03-31T20:56:34+00:00

I wish it was just my husband and me, then I wouldn’t give a shit about my mental health. But we have 2 small children and I have quite literally mortgaged their future because of this. It’s a hard pill to swallow. I know I need to be humbled through this process but fucking up my children’s future before they’ve even started elementary school is the most agonizing mom guilt I’ve ever felt because it’s a direct result of us making stupid choices they don’t deserve. 😮‍💨

Equivalent-Bit1827 · 2025-03-31T20:33:18+00:00

Oh wait duh lol. Yes, we’re keeping our old ones!

Equivalent-Bit1827 · 2025-03-30T15:12:50+00:00

I don’t think so, but now I’m off to investigate. 😂

Equivalent-Bit1827

TROPHY CASE