Attorney Retained......Chapter 13 it is!!!

[keepsmiling]

"Savings" should be considered an expense and listed as a necessity? When we did our expenses we never listed savings therefore we aren't/can't save while in BK13. Am I wrong? Should we have put savings down? We are not confirmed yet.

Lol..no. can you imagine a creditor being OK with you saving instead of paying them? Any savings needs to come from padding and frugality in other categories. You did nothing wrong.

[FullOfIt]

What I am really needing is more of a household "spending" budget. After all bills are paid. I know exactly how much I have left over so now I want a category for every penny. Food, clothes, toiletries, gas. More than anything I want to live on a cash basis Dave Ramsey style envelope system. Leaving any extra in my checking/debit account for online purchases (which is my favorite way to shop).I can do this on my own to a degree but I know I will leave something out. I am the most OCD person EVER when it comes to figuring.....you would think I might have handled our money better.

[dmc-2008]

Get out your check register and start writing Down each time you bought something like food. Devide it into the months and you will have a basic idea,. Good luck. Curb your online shopping if you can for a bit!