Trying to plan income and expenditure for the coming year and working out how I am going to get the money in that I want to achieve the things that i would like and also to plan for savings and the future in general. Should it be silver? investing in insurance? Should I just sit on it and wait to see how things go when the bankruptcy is written off my record in 15 months? And how the heck am I going to get the money in? And then if a personal tragedy happens will I end up losing it all as I look after myself in the process?
The credit management has been ok during the past two years and so that will eventually translate itself into the building of a credit rating once the bankruptcy is history (after 6 years) although using credit i still find emotionally draining as there is an aspect of financial insecurity about it, but I have been able to successfully borrow when I was short and then pay it back when the anticipated money was going to come in and that worked out ok.... this time.... but then there is the anxiety of will i still be as successful if things change.
The last load of borrowing I did I did on the strength of receiving a cheque in a relatively mid term future timeframe, but if I hadn't received the cleared funds I would still have had an issue to deal with, but in practice it worked out ok.
about 75% of those expenditures were dental and medical so that couldn't have been avoided, but there was one "toy" expenditure there too, namely a high speed blender to make it easier to make smoothies from weeds (dandelion and chickweed) if I needed to gain my micro nutrition from free plants or cultivated weeds in the garden at some point when funds are low or I needed to save on the cost of vegetables.
So far I am Ok.
My own online business is still going ok, but the money is still sub standard, so that is a worry especially as I do intend on having a stable family and relationship life in the future. I have even been checking out a few jobs to see if they would be doable by me still having chronic fatigue syndrome. I dont know.
One step at a time
