Options

I spoke with my attorney this morning, at an hour when most unemployed people are still asleep, and we discussed my options with my bankruptcy arrangement. To sum it up, they all suck.

Option 1: I convert from a chapter 13 to a chapter 7. I lose my car but am able to add the new debt to the bankruptcy and get rid of it.

Option 1A: Same as above except I pay what I owe to this date on the car, minus what the trustee paid, then resume regular car payments. I don't know what the exact figure would be but I estimate between 1,000 and 2,000 dollars are owed on the car to get the payments up to date. Also, the car payments are only about $100 less than what I pay to the trustee.

Both option 1 and 1A come with a $700 attorney fee plus court fee of $25.

Option 2: Surrender my......as I was writing this I was interrupted by my older cat, Punkin, having a seizure. It is her second one of the day which is unusual for her since she usually has them at night and rarely more than once a week or so, that I know of. She recovers quickly but, while in the middle of the thrashing about, it scares me. I've had her for 15 years, almost as long as I have been in California, and I don't want to lose her. I also feel guilty because all I can think about is "be okay because I can't afford to take you to the vet".

While this incident certainly puts things in perspective, I still don't know what decision to make about my bankruptcy. Basically, in order to save any money, I have to give up my car. With no car, how do I function? I don't exactly live in a city with a good public transportation system and now I am thinking about Punkin having an emergency and me not being able to get her to the vet quickly. I can't afford my current situation but I can't afford to lose my car. I just don't know where to go from here so for now I am just going to hold onto Punkin and be thankful that she is okay.

As the ship sinks

I just read the comments on my last couple of posts and, first, I want to thank you for your good thoughts, second and please be sure you are sitting down for this, I agree with Waffles. The ship is sinking, the lifeboats are full, go down doing something you love instead of living those last few moments in fear and anxiety. Just like the scene from Titanic. The string players pause, realize they aren't getting off the ship, and go down playing their music. I don't think I fully understood that scene until now, I just thought they had given up, but they hadn't. They knew the outcome was grim and they made a choice.

That said, I'm not going down without a fight, I'm just not going to work myself up into a panic or a deeper depression. I'm going to take things one day at a time and weigh all my options. The first option being converting my bankruptcy to a chapter 7, or at least discussing it with my attorney. I can't afford the trustee payment and I have debt collectors breathing down my neck, when you combine that with the little amount of money I'm getting from unemployment, I think I have a good chance of qualifying.

I don't know if this will free up any money for a trip to Vegas, but it will relieve some of the pressure. Then, I can reevaluate and figure out how to make Vegas possible. Like the last couple of trips, I won't be eating in any expensive restaurants or buying much alcohol but I should be able to make do with whatever I can scrape together because, quite honestly, I need this trip.

Post Script

I'm sure some people have read my previous post and thought, "why is she sharing such personal information. Does she want sympathy, pity or something else?" I think my reason for revealing my true financial situation is because I needed it to be real. It is in writing, others have read it, people know my situation, and I can't pretend it doesn't exist anymore. I still have no idea what to do or how to fix the mess but it's out there and I can't ignore it.

I actually felt some relief after I posted it, like a weight had been lifted off my shoulders. While people have known I am short on money I think I did a fairly good job of hiding just how bad it has been. The fact that it is getting worse instead of better has to be dealt with before I'm in a hole I can't get out of, though it may already be to late.

No matter what I do I can't get ahead. No one will hire me and any money I earn from Mystery Shopping or other freelance work has to be reported to unemployment, at least legally. What that means is I get less in the unemployment check and really don't earn any more money than if I sit on my ass all day playing around on Facebook. It means I can't actually afford to go to school, unless I agree to a program approved by unemployment and even then I have to use that money to pay for it so I'm still not getting ahead. It also means that I have no business going to Vegas in December as there really is no money available. I can't justify the trip but I can't miss it either. My head and my heart are struggling over this and it is tearing me apart. I need this trip but I can't justify it.

I keep trying to tell myself that if I can make some extra money I can go on the trip but honestly, any extra money should go to the debt collectors or in my savings to be applied to the bankruptcy. While Vegas is always good for my mental health in the short term, the guilt I feel over spending money that should be applied to the bills ends up making it worse in the long term. So, do I not go to Vegas and succumb to the sadness of having nothing to look forward to or do I scrape together the money, have a good time, then succumb to the guilt of spending money on something fun? Or maybe I pray for a miracle? I just don't know.

Overwhelmed

I haven't written here much over the last year because I don't like to fill my blog with all the crap that is a part of my every day life. I have been unemployed for a year and a half, I declared bankruptcy at the same time I lost my job, since declaring bankruptcy I have incurred medical debt that is now in the hands of collection agencies and on top of that I have clinical depression. All are things I really don't like to talk about but are such a huge part of my reality I don't know what else to do. So, I bottle it up, tell everyone "I'm fine" and wait until the day when I'm up against a wall and can no longer pay any of the few bills I have left. It's coming soon, I can feel it.

When I declared bankruptcy I didn't select the chapter 7 everything goes away kind, I selected chapter 13 which means I pay a certain amount of money every month to a trustee who pays the few bills it was decided I would continue to pay (mainly my car). Everything else was discharged, but every month, for 5 years, I have to pay a set amount of money that is almost the equivalent of one unemployment check. This leaves me with about the same amount to pay car insurance, medical insurance, gas, food, and a few other things I can't remember at the moment. Basically I am living on less than $1000 a month and only because my dad has waived my rent and I am ignoring the collection agencies. Last month I actually waived my bankruptcy payment (something I can do once, maybe twice within the 5 year period) because the money wasn't there.

Now it is looking like I may not have the money for this month's bankruptcy payment because I have to wait on a telephone interview with unemployment regarding me taking 1.5 college credits. I'm not supposed to take classes without their permission and it has to be in a program that they approve. Unfortunately the one program I want to study, Veterinary Technology, is not one they will approve because it is a 2 year program and they will only allow the unemployed to take programs that are 1 year in length. It is a messed up system and I am hoping that since I'm not currently taking classes full time, I will be okay. Problem is, I don't get another check until they make a decision and if they decide I'm violating the rules, I won't get another check.

This all leaves me wondering who in their right mind would still even consider going to Vegas when they can't even pay their monthly bills. This is where I become so overwhelmed I just about lose what little sanity I have left. See, Vegas is not a decision I make with my head, it is one I make with my heart. The anticipation of this yearly get together gives me something to look forward to and a reason to get out of bed. It gives me a reason to continue applying for jobs even though I never get called in for an interview. It is really the only thing left keeping me from giving up (I'm not talking about suicide but more about detaching from reality). If I make the logical choice, the obvious choice, what do I have left to look forward too?

I really don't know what to do. Plane tickets are bought and a hotel is booked but I owe someone else for the tickets and can't, at the moment, pay for even my half of the hotel. Then there is food and a poker tournament plus other expenses that may come up. This is when I wish money grew on trees because I would pay off the bankruptcy, pay off the bill collectors and make my dad happy by paying rent again. I feel like I am drowning and just when I might be able to take a breath, something pushes me under again.

This is why I stopped blogging. No one wants to read about my crap, not even me.

One Step At A Time

The application for the Vet. Tech. program has been sent and my transcripts should be on the way soon but I still have an interesting conundrum to consider. Only 40 applicants get accepted to the program and, if they get more than 40 qualified applicants, they select through a random draw. I won't find out until after July 15th but I probably have to take 2 online introduction to veterinary assistant courses this summer that start in June. I hate spending money on classes before I know if I'm getting into the program but if I don't take the classes, they may revoke the offer if I do get a spot. Plus, I have to deal with unemployment if I want to do any sort of schooling. I was hoping to put that off until September, when the program actually starts but now I may have to deal with them in the next couple of weeks. Ugh...just when I thought I could sit back and wait for an answer.

If I knew I was getting into the program I would probably take Chemistry this summer as well. It is one of 2 General Education requirements I have to take because it has been over 6 years since I had college Chemistry and I didn't exactly pass it with the requisite "C". I also have to take Microbiology at some point but they recommend taking Chemistry first. Since Foothill is on the quarter system instead of semester system, both classes meet almost every day of the week and for several hours on lab days. It would be nice to get it over with before I start the Vet. Tech courses but, again, it's a lot of money to spend for something I may not get into.

I think I will probably take the 2 online courses. I don't think they will cost that much and the information will be good to have even if I don't get into the program. I just wish I had decided to do all this sooner so I wouldn't feel quite so overwhelmed by it all. Unfortunately I can't predict when moments of clarity are going to hit me and that is what really started this whole journey anyway.

I Have A Plan

One thing that volunteering at the wildlife center has done is reminded me how much I love animals and how at peace I am with myself when I am around them. There is something about feeding a tiny bird that can't fend for itself that just puts everything into perspective. Considering I have been unemployed for over a year, it feels like the right time to go after a dream I have had for as long as I can remember, getting paid to help animals. Actually I wish I had decided to do this sooner because an important deadline is looming, but hindsight and all that.

My plan is to apply to the Veterinary Technology program at Foothill College. But, while this plan seems simple enough, I'm not sure it is as doable as I thought. It is a tough program, difficult to get into and even more difficult to stay in. The application deadline is June 1st and they only let 40 people in. Since they always get way more applicants than they have slots for, the qualified applicants get put into a pool and basically get selected by random draw. So, if I manage to get everything done in time, there is no guarantee that I will get into the program.

The next problem is what happens to my unemployment if I go to school full time? Right now this is my only source of income and if I lose it, I can't pay my bills let alone pay for school. This means I need to find out about alternate sources to pay for school and try to find another source of income, like a job, to pay the bills. I've been looking for a job for over a year, I'm not all that positive that I will suddenly find one now and without a job or an unemployment check, I'm screwed.

This leads to another issue, the vet. tech. program is 2 years of full time study. They don't want the people in the program to work as there just isn't time, especially in the second year when the student do clinicals as well as school work. It is made very clear in the application that if you have to work, you need to notify the people in charge of the program so they can determine if you are going to be able to do both. I understand why, with so many applicants they need to be sure they select people who will stick with it and succeed. Holding down a job plus being part of the program would probably be too much to handle for most people and I am probably one of them.

So, where does that leave my plan? I'm still going to apply and, if I get in, start praying that money suddenly falls from the sky or that I can get enough aid to do this. I'll be seeing about the aid at the end of the week but I don't know if this is a program that would qualify for the re-training programs that are available. If it doesn't and I get accepted, I don't know what I will do. Of course if I don't get accepted, it won't matter. Still, I am really hoping it will all work out somehow. I just wish I knew how.

Focus

Tonight I was not a very focused person. Not that I needed to be but I can tell the difference between normal non-focused and completely out of my mind non-focused. I was completely out of my mind. At one point there was too much going on at once and I almost lost it.

My mind still feels muddled but at least the house is quiet now. I'm just going to sit here a while and enjoy the silence.

"Have you thought of getting into writing?"

It has been over 20 years since I have seen him or spoken to him and after just a few e-mails that was his question. I apparently have a "remarkable turn of phrase and a way with words" and he thinks I would be "kick ass at it". Interesting observation on his part considering our e-mail exchanges consisted of some harsh truth and complete honesty. I guess I do have a way of telling it like it is and not sugar coating but does that really translate into any type of meaningful writing?

When I was young I liked to write stories. They were usually of the horror or scary variety, though I doubt they would have scared a kindergärtner, and really weren't all that creative. I'm too analytical to be creative or I would have probably gone into some sort of graphic art or design. I think at some point I realized that and stopped trying to be the next Stephen King. What I did notice was that I could write one hell of an essay on just about any given topic. In college I even had a professor keep a copy of one of my essay's to read to future students as an example of A+ work. I was proud of that essay but no longer have a copy of my own so I don't really remember what I wrote.

So, what does this mean for my future as a writer? Absolutely nothing as I don't believe I have one but it has reminded me why I really started blogging. It was never about being a poker blogger or any kind of blogger really, that was just a perk. For me it was a place to express myself in any way I wanted, about any topic I felt like writing about but somewhere I lost my way. I started trying to hard and the writing suffered. It started to feel forced and I wasn't enjoying it at all. I'd start to think about writing something then get a knot in my stomach because I was afraid it wouldn't sound like me or it would be too boring or not interesting enough. I realized I was no longer blogging for myself and cared too much what others thought. Considering I have a large group of friends who seem to like me for who I am, that line of thinking isn't really all that logical.

With all that said, this blog is going back to what it used to be, a place where I write what I want, when I want and it either gets read or it doesn't. People will like it, or they won't. It makes no difference to me. And who knows, maybe once in a while I'll write something "kick-ass" that has a "remarkable turn of phrase". You never know, it's happened before.

"Screw 'em!"

Well, that seemed to be the consensus to my earlier thoughts. Actually, that was the conclusion I came to as well. Life is to short to care about what others think and the fact that some people may not like me is not a big deal. As I said, I don't like everyone I've ever come in contact with so I shouldn't expect everyone to like me.

This whole thought process came about as I was thinking about some ex-coworkers who I thought were my friends but obviously aren't. I say that because one of them lives very close by and never calls, comes over or anything. Not that she ever did when we worked together but I kind of thought that was because we saw enough of each other at work. The other co-workers lack of communication does surprise me a little but we did have a slight disagreement when she tried to take some of my shifts away from me. Maybe she never got over it.

Anyway, from there I just started thinking about why I cared so much. That goes deeper and takes me back to high school where I never felt like I belonged. All I wanted was to be liked, not popular (been there, done that, hated it), just wanted to feel like I was worthy of having friends. Truth be told, I had some amazing friends in high school and shouldn't have cared about everyone else but high school is kind of it's own world and rational thought doesn't often enter into the picture. Hind sight and all that.

So, to wrap it up, I had amazing friends in high school and I have amazing friends now. Everyone else can go to hell.

Now, time to decide if I keep Bob Dylan on my mp3 player despite his lack of vocal ability.

Thoughts While Walking

Welcome back! It's been a long time since I wrote anything of substance on this blog but, hopefully, this is about to change. While on my walk today I decided to try something new, a regular series that I think may stimulate some discussion and possibly cause me to write more if a subject seems to be of particular interest. So, with that in mind I introduce my new series "Thoughts While Walking" (name subject to change if someone has a better title).

• Why do I spend so much time thinking about the people who obviously don't like me? They aren't wasting their time thinking about me so why do I waste time thinking about them.
• Why do I feel that everyone needs to like me? I don't like everyone I meet so I shouldn't expect everyone I encounter to like me.
• I say that I value honesty but, if someone came up to me and said they didn't like me, would I really appreciate their honesty?
• Would I want to know why someone doesn't like me? I'm not likely to make any significant change but knowing the reason may give me some insight that could help me in the long run.
• Bob Dylan may be a genius when it comes to writing lyrics but the dude can not sing. He would not even make it to Hollywood week on American Idol. (One of his songs came on my mp3 near the end of the walk.)

So, these are some of the thoughts. Most of them I did come up with some answers to but I'm interested in other opinions before I go into more depth.

Let me know what you think either in the comments or through email if you prefer to keep your thoughts private.