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newlife13
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Last Activity: 08-12-2020, 02:30 PM
Joined: 01-14-2017
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  • My attorney also told me to stop paying. He said that it's literally throwing money away if you're going to file anyway....
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  • newlife13
    replied to Payroll Tax
    So, when does this start? And if it's a deferral, does anyone know when it will come due? At tax filing in Apr 2021? If yes, I'm going to tax myself and save the money for my tax bill!...
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  • newlife13
    replied to I'm getting out a year early.
    Great solution! I'm glad that worked out for you. How much will you save compared with paying the next 12 months? Or is it a wash and you're just taking the hit from your 401K?
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  • newlife13
    replied to Selling stuff on Facebook
    I assume that I basically don't exist to the trustee as long as I make my payment on time every month. I'm not required to submit tax returns, so I just quietly go about my life. Take 1 vacation a year (except this year, ugh, COVID-19!) and save for my kids' college expenses. I live a quiet life, list...
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  • newlife13
    commented on 's reply to Life is good, only 18 months to go!
    Yeah, home ownership is probably not in the cards for me for a very long time. I've got two to put through college and I'm a single parent. So... yeah.
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  • newlife13
    replied to Life is good, only 18 months to go!
    Thanks, sophieanne. It's been a process and I'm finally relaxing enough to think it's OK to have a $25 lobster roll for dinner as a treat. I was so militant with my budget. I am still militant and look at it every day and make adjustments, but I allow myself some room to do some things. I used to have...
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  • Yeah, I moved into this great place... and now my office is in my bedroom because I didn't anticipate WFH this long. It's just me and my son & daughter, but it feel pretty crowded!

    I live in MA 'burbs, so a nice apt is pretty expensive here. Not sure where you are in NH, but I assume...
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  • Hey, I realized I never updated this post. I was approved to rent the apt, but due to the BK, I had to pay first, last and full month security deposit. Yikes! That was a lot. (over $7K!). For good-credit people, they only asked for $1000 security deposit plus first month's rent.

    Anyway,...
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  • newlife13
    started a topic Life is good, only 18 months to go!

    Life is good, only 18 months to go!

    I'm 70% done with my Chapter 13 plan. I've run a super-tight budget and have saved a good amount of money. I've been fortunate to get promoted twice over the past 42 months. I considered reporting the raises (there have been 2 since I filed -- one in 2018 and one in 2020), but when I filed, my attorney...
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