Sunday, October 10, 2010

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.

3 comments:

Chris said...

Hi California April. All we have in common is sharing Sharks tweets, I guess, but I wanted to leave a word of encouragement, anyway. Best wishes and take care. Looking forward to your tweeting many Team Teal goals!

BWoP said...

Just wanted to let you know that I'm thinking about you and that I hope things turn around for you soon.

SirFWALGMan said...

April sorry to hear things are going poorly. I hope they turn around for you soon!!!!!!!!!!!!!!!