Happy New Year 2018!
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Welcome to 2018! It’s a new year! A chance for everyone to reboot their lives. Traditionally it’s a time for reflection on the previous year and preparation for the coming year.
2016 and 2017 were rebuilding years for me. In 2012 I was forced to file bankruptcy in order to save my home from foreclosure. Long story short, my mortgage company was attempting to illegally foreclose on me. After filing bankruptcy, I received a settlement from the government as part of the government class action suit against the big mortgage companies for illegal foreclosure practices. I felt vindicated in my claim that I had done nothing wrong. Halfway through my Chapter 13 bankruptcy, I slipped on some ice on my porch and tore the tendons in my knee. I had to have surgery repairing my knee, and unfortunately got saddled with over $5000 in deductible bills to pay. I was unable to make my house payment, my bankruptcy payment, and pay the medical bills. My attorney suggested I convert my bankruptcy and surrender my home and start over. I thought long and hard about leaving my home of 20-years, but the list of pros and cons I made was leaning toward me taking his suggestion. So, I took the necessary steps and began looking for a new place. At the end of August 2016, after spending two months tossing out a whole lot of accumulated “stuff”, we packed up and moved to a smaller place, closer to my aging parents. My bankruptcy was finalized and discharged in November of 2016. In August of 2017, my home was sold by the bank and transferred out of my name, so my bankruptcy and foreclosure journey is finally done. It’s been a process, but it’s been a good one. We are happy in our new home and it’s been a fabulous restart for me.
In 2017, after driving my 11-year old vehicle, I finally had the opportunity to trade it in and get a new (newer…it’s a 2014) vehicle that I am absolutely positively in love with! People ask me if I like it and I tell them I’m having an affair with it! LOL That was a major step for me following my bankruptcy and foreclosure. My credit has been rebuilt and my life is back on track. Things are finally looking up!
My plans for 2018 are to continue on my journey and live a good, solid life. I’m 54 years old so I need to prepare for a financial future after potentially retiring. I don’t anticipate that for at least 10-15 more years, but I need to plan for that now. I need to plan for a future for my nephew. Many of you are aware he is autistic. He is very high functioning, but he will need a lot of guidance. If I knew I was going to live for 150 more years I wouldn’t worry about it. Or if I could stop myself from aging, I wouldn’t worry about it. BUT, I need to prepare him for taking care of himself. He turns 24 this month. He’s fairly self-sufficient, but he definitely needs to learn a whole lot more. So, I need to work on that so he is taken care of.
My parents are 81 years old and this July will be celebrating their 60th wedding anniversary. Happily, we are making plans to celebrate those 60 years with friends and family. We have a large, loud Italian family, so our gatherings are always a lot of fun!
March will bring my 33rd anniversary of employment at my job. Our business is also celebrating it’s 55th anniversary this year! We’ve had some rough years, but we’re slugging our way through them and are still here! We’re all very proud of that. Crossing our fingers for at least 10 more years of success for all of us!
I have to say thank you to each of you who read my blog. I’m grateful for all of my readers. I plan to bring you more content and share more of me and my experiences in the hope that they help all of you.
I wish each of you a happy, healthy, and prosperous new year!!
Thank you for supporting me!