Saving Ch13 and delinquent mortgage.

[LadyInTheRed]

Sorry about the accident, Spidge. A bike is a great solution. But don't forget about the expected el nino! Keep an eye out for cars for sale that are the same year and model as yours and make sure they pay you the true value of the car. That's easier said than done, but don't be afraid to negotiate with the adjuster.

[spidge]

Thanks. Everyone was OK, so far. I was achy the next two days but am good to go now.

Since we are so close to discharge I think I will just buy something cheap like a bike I want anyway then finance a car after discharge. We are in Southern California so even though its cold its not to cold to ride. Rain is another story but I did it for years. Fingers crossed the insurance payout is high enough.

[dmc-2008]

You gotta live So Cal traffic! So glad you are ok! Good luck in the last payment and keep us posted! You sure have earned this new financial freedom when it is finally over!

[sophieanne]

Spidge, I'm sorry...I hope you are all right....cars can be replaced (even if the timing is the worst). Take care.

[gld2pan]

Sorry about the car. Hope you and everyone involved is ok!!!

[spidge]

Well I got a bit of a setback last night while driving home. I stopped on the freeway just shy of a three car accident when I was rear ended propelling me into the car in front of me. Unfortunately it looks like there is more damage than the car is worth so will have to scramble a bit. I know there is no good timing when bad things happen, but @#$%^&!!!!!

[jange]

Hi spidge, I don't check this as often as I used to but wonderful to see you are down to 1 payment!!!! It is such a great feeling to sending in that final payment and know that is it! All the best to you.

[sophieanne]

Spidge,

It's about time you posted this "1 payment update". I've been on pins and needles checking for it daily
What a wonderful feeling to be down to 1 left (and all set to send in the final one). This is going to be a fantastic year end for you and your wife.
WTG and congratulations!

[spidge]

Man O Man, one(1) Payment to go.

The timing is good as we have come out of the summer strong and am caught up on everything. This is important as the wife was not paid in the summer, but this year the district allowed her to defer her earnings and get a paycheck in July. This was not the complete solution but sure helped.

Thinking of sending in the final payment now but will wait until next month as we need to complete our post filing financial course and support obligation forms. Truly not a big deal. Then the AP for the lien strip.

[spidge]

Thanks Sophieanne, we (wife, plus two adult daughters) hope to land a nice flat screen TV as our most reasonable reward for the last 6 to 7 years of this drama. Cash only of course.

[sophieanne]

Hi Spidge, can't lie.i'm counting down with/for you. It's so exciting watching someone I've been cheering on for the last couple years getting so close to the finish line. Inspirational too! You have lots of options..how about just celebrate by choosing something special...but not overly expensive that will serve as a reward. I can't wait for October & November update/celebration posts!!!!

[spidge]

2 Payments to go!

I am so impatient and excited at the same time. My mind is racing as to what to do. Roof, plumbing, cars, braces for an adult kid or myself, or hobbies like model trains or motorcycles. Mind you I have have not ridden since aprx. 1994. A not so expensive used bike may serve a couple purposes. My goal is to have no payments of any kind or payments so small that they have little effect on our budget.

I will act only when the time is ripe.

[sophieanne]

That is exciting Spidge...perfect for your Christmas and New Year's celebrations. We're all counting down with you

[spidge]

3 Payments to go!
So grateful for the coaching here.

[LadyInTheRed]

Congratulations on getting the modification finalized!

Your close enough to the surface to use a snorkel anyway. Take a breath! You are almost there!