Can I File Bankruptcy after Foreclosure?

I am procrastinating, I have three more lines to fill in on my Bankruptcy forms. Three lines to freedom, I have been avoiding writing about it too. I am ashamed. I thought I could fix this with out bankruptcy…I felt like if I had to file bankruptcy after foreclosure I didn’t deserve the financial freedom I so desperately longed and worked for. I was wrong.

Lets start at last June- after my surgery and Bretts broken elbow and surgery the medical bills started pouring in, then we were hit with a brick (for lack of a better word). Our second mortgage was going to sue us for $75,000. Ouch. We started to search desperately, we had so many questions and so few answers. The first was…

Can I file bankruptcy after foreclosure?
Yes, Yes, YES!! Yes, you can, we are. Not only can we, but we will be getting rid of virtually all our debt. We don’t have student loans or IRS debt, which are both exempt from bankruptcy, so we don’t have to worry about that. Although the prospect of having to sell all our belongings (which are few and far between) to pay back debt makes me very nervous!

If I can file bankruptcy after foreclosure, which chapter do I file?
This was our next question, we researched and then decided we should be filing Chapter 7. Chapter 7 is also referred to liquidation case (hence my apprehension). Our lawyer basically broke it down like this- we would fill out forms HONESTLY and then we would be assigned a Trustee who would then decide what was exempt and non-exempt assets, based on a certain amount of equity in our property (furnishings, personal property, vehicles, life insurance, etc.).

Now that I know I can file bankruptcy after foreclosure, who do I contact?
I called every bankruptcy lawyer in the Denver/Boulder area and decided on a lawyer in Erie. He seemed to know his shit and had the confidence I lack in this situation. Bankruptcy lawyers definitely vary in price, the can cost at little as $900 and as much as $3000, ours is about $2400, he seems really well versed in our type of situation so we opted for him.

Can I file bankruptcy after foreclosure and ever buy a house again?
This was my final question, which was subsequently answered in a packet of papers from our attorney- we are looking roughly 4-7 years before we qualify for a loan again, hopefully since we will be debt free and living frugally we will be able to save a decent down payment by then.

Our bankruptcy still makes want to cry, it makes me nervous and I have a lot of anxiety surrounding it. This doesn’t mean it isn’t the right choice for us right now, it is. It means I haven’t done this yet and I am afraid of the recovery or what it will look like for us in the future. Honestly I am kind of scared to be debt free, I am afraid I may make the same bade choices again and forget all that I have learned. I most likely won’t because I am such a freak now, but one never knows.

Full Disclosure…What This Means For You!

20 February 2013

This blog is a personal blog written and edited by me. For questions about this blog, please contact Samantha (coreysamjackson@gmail.com).

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To get your own policy, go to http://www.disclosurepolicy.org

Okay, now that the legal jargon is out of the way lets talk about what this means for you, the reader…

It means more reviews and giveaways (read weekly!) it means that every week, I will review a company or product and they will proved you with a giveaway (most, anyway).

Even though I am receiving swag to be able to accurately judge and review companies, it does not mean I will not give unfair reviews.

If you are interested in sponsoring a giveaway please email me coreysamjackson@gmail.com

School Starting and The Desire to Spend

So it may just be me but I feel like I have a non stop desire to spend. Part of it is emotions and part is the need for things.

So lately I have felt the desire to buy new chore charts, new day planner, New dry erase boards. Sooo much!!! I have been reigning it in but it begs the question what do you need for school? We know what our kids need because they give us a list but they don’t provide a what you need as a mama list…
To be continued tomorrow 😉

Park and Play 3 *Wicked Abs!*

Okay so my abs are far from wicked but I was helping CJ workon my MIL house yesterday and I totally managed to do it with out pussing out which is uber huge for me because well frankly I have spent years out of shape and rather lazy :blush: I also jumped on the tramp with the kids repeatedly and I went for an hour long run this morning IN THE MOUNTAINS, so like up hill the whole first half!!!!!!!!!!! I about died, I dont think I have even coughed so much before :-/

Okay the work out

Exercise/Sets/Reps
Bicycle crunch/3/12-16
Reverse Crunch/2/12
Crunch/4/15
Vertical leg crunch/3/12
Captains Chair (while hanging from monkey bars)/2/12
Single Leg Bridge/2/60 seconds
Plank/2/60 seconds
Standing Knee Cross Crunch/3/16

Its not terribly until you are near the end but I enjoyed it! Next week will be upper body and then we will have a solid rotation on
m- P&P1
t- P&P2
w- P&P3
th- P&P4
F- P&P1

I will be revamping come winter but I will leave friday open for just body updates, my body tends to be one of my biggest and most painful struggles in life, as a mother and a woman. I hope to over come that with basic exercise and ledning my self to health so my kids can have a healthy and fun mama

Moving is fun Because…

You can DIY haha

For realz my DIY projects are to the moon and back!! So, sense we have gotten rid of Internet I am going to do my best to post from the library once a week on things like budgeting, but once a week I will be bringing you an awesome DIY from my phone!! This week?!
Revamp the shade!
First grab your gnarly lamp shade
Next grab some awesome fabric (mine are circles from a dress I made once
Cut your fabric I did half circle around the bottom of my shade
Grab your adhesive spray or packing tape if you have no idea where your spray is 😉
Tape on!
Light up the room and watch your fabric shine through!!!

I am Falsely Ambitious

I love to pretend to be ambitious and I am really good at two things- small projects and not following through!

I am great at small to mid sized projects ie the crafts and DIY I have on here because I love them! They are fun, easy and totally beneficial to me and my family. I enjoy crafts regardless of if they are for me or my neighnor or merely to post on here because they are fun and I enjoy writing for my readers! I love being frugal and more often than not projects can be done in a frugal manner and they can make something fun/funky and even spectacular for uber cheap! I love that I have the ability to stretch a dollar, use a sewing machine and help others do it…but it have to take less than a week to do so, I need to be totally invested in what I am doing and passionate about it…or I just quit, it goes by the way side!

Kind of like…
How I was all excited about how I was going to become a writer woot woot, I was going to make a billion dollars and buy a house writing! I was also going to be a star at Mary Kay, own a wellness center the likes of Massage Envy but holistic, be a journalist, a nanny, a daycare provider, a waitress, a childrens clothing designer…I have a problem with my follow through…a serious problem…you see I am good at starting I just don’t finish…especially if there is no end in sight…

My morning goes like this

*Peel myself out of bed
*Check bed for child pee
*Go Potty
*Go Downstairs
*Check E-mail
*Pour Coffee
*Make Breakfast

Not bad doesn’t usually phase me except there was this email saying I had a writing assignment due by 1 my time and I was like WTF I quit that shit…but I am not one to leave anyone hanging…so I write, haphazardly and half dead (asleep but really its a zombie like state and not attractive) only to submit the piece 43 words short and I sorta want to be a writer again…but I quit so I could devote time and energy to my household and my blog. I love my blog with pink sparkly hearts and I want to write to you all every moment of every day…okay well not really, sorry, I would probably get arrested if I told y’all some of the fucked up shit in my brain (like the zombie apocalypse) but I would ideally eventually like to make money writing my blog cus its awesome and I love it and no one ever criticizes to my face my shitty spelling and horrid punctuation although I know you all are doing it at home…dont judge me!

Well that was the start of my off day! I am going to take the kids to the library when Emer wakes up and thats that!

Meal Plan Monday

Now that school is out and summer is in full swing (just ask my kids who are spraying each other in the backyard and refuse to take a nap!) the insanity of meal planning has shifted from Friday to Monday and shopping happens on Friday. I try to do a bigger shop on the Friday of Coreys paychecks so that I have my basics squared away for the two weeks (I never shop for more than two weeks because if it is in the house it will get eaten).

This week was the second week of Coreys paycheck so I bought my *extras*. My Menu looks like this
Monday *breakfast* Waffles with strawberries *lunch* crackers with melted cheese and lunch meat *dinner* veggie fajitas
Tuesday *b* oatmeal with protein powder *l* PBJ *d* stir fries
Wednesday *b* pancakes *l* left overs *d* small group (We are taking mozzarella and tomato salad with sweet basil from my new herb garden)
Thursday *b* oatmeal with blueberries *l* cheese crackers and meat *d* shrimp and rice with mango
Friday *b* pancakes and grocery shopping
 I use this meal planner page and I frickin love them! I love her too!

My Grocery List
Milk (sw) 1.89
Frigo String Cheese (sw)5.99
French Bread (sf) 1.50
Scallops (sw) 10 (2 lbs)
Breakfast Sausage (sw) 2/6
Blueberries (sw) 3.99
Strawberry (sw) 5
potatoes (sf) 4
blackberries (sf) .88 (3)
total 41.00
sw= safeway
sf= sunflower
Safeway does 5 dollar fridays and is totally worth it for some of the awesome sales!

Technicolored Dreams

As I sit watching my babes play in their kiddie pool and let the beautiful Colorado sun dry my spray paint, I realize that my dreams have gone from black and white to full on color, color pallets and so far outside my box my head is spinning…in a good rainbow esque way.

My life has transformed much like this wardrobe! Aka step by step furniture makeover!

The $35 thrift store wardrobe

The finished product

The step by step!
We started by sanding it down- look at that beautiful wood

After Sanding…and sanding…an sanding for like 2 weeks, we washed the wood off with water and a rag.

Now we tried spray paint…and switched to antique white wall paint which gave the piece a nice vintage feel


Then I decided on making a stencil of a trellis and decided that was a dumb fucking idea and taped on chevron which took f o r e v e r!!! Or three days!

Corey spray painted the chevron while I was on a run! He made the over spray artsy 😉

And we put it all back together

I love this wardrobe, the symbolism to me and how awesome is turned out!!

Herbs!

Our new house has a terrarium window in the kitchen so I stole some herbs from my lovely neighbor Nichole’s garden, so far my seedling basil, chives from my backyard and sweet basil from her yard are looking good but the lemon thyme may not make it. I have harvested and am drying some lemon thyme, the slow way!

Happy New Year!

I can not believe its 2012~ Can you? I am excited for the prospect of new and exciting ventures, and goals!! I ❤ me some goals 🙂 LOVE LOVE GOALS!
This Christmas vacay has been cray cray! Okay, I promise I won’t ever say cray cray again. We found out we were expecting and then lost the baby, well really it was a ball of fetal cells…not that I particularly believe that, but God came to me in a dream and it was really intense and so much that I am actually working on the really intense post to go with it! I know that is kind of a cliff hanger but God really is working with us in a huge way!

Okay any way the reason for todays post was not just another barely there keep holding post but really a revue of our budget and what that is looking like for us this year.

Obviously this will change month by month!

1575 Rent
160 Gas
178 Phones
170 XCEL
100 Water
463 Truck
400 Grocery
112 Insurance
40 Net
54 Gym
189 Gymnastics
 total bills

Debts
84 Clinica
84 Clinica
420 ER
503 Tuition
8200 Truck

Extras
Vacation
Christmas
Birthdays
Clothes
Dr/Dentist

Extras will come from selling scrap metals and bonus’ at work! Everything else will come from the pay checks I used this budget sheet
I love getbuttonedup.com it works beautifully with my momagenda kitchen Folio!
I am excited to rock a minimalist year with lots of posts and hopefully a great open heart to God that I can share with you