Category Archives: bankruptcy

Between the accident and the new brakes, drums and calipers, money flies out the window

The only thing saving me right now is that I had saved money for the move and things I needed for the apartment. My kids had convinced me to get rid of my household goods after I had been living with Dad for so long. Now I need that stuff. Things might be cheaper at Walmart and the dollar stores, but having my old stuff would have been cheaper yet.

So between the accident 4 weeks ago which was $500 and the new brakes, calipers and drums another $450 just went down the drain. My cushion is almost gone.

Don’t think I mentioned it, but my son’s car is probably totaled. A girl claiming to have only been going 30 MPH hit his heavy car and shoved it 15 feet and up onto the curb. He was in the house. The neighbors came and got him. He wanted a new car, but this was not the way to do it. They will probably total it. The rear axle is broken and the tire is flat and who knows what else. Probably won’t get enough to buy a new car or at least one that is in decent shape and not need constant repairs where this one was finally getting to. What a mess!

It is raining today and has been for days now. Good thing is that I don’t need the air conditioner on right now, a fan on just me is working fine. Haven’t gotten the first electric bill yet.

I still have to set up my budget.This is going to be tight. Hope I can actually eat on what is left after bills. The bankruptcy gave me a new start, but there is still cell phone (and the hot spot runs my WiFi), auto insurance, renter’s insurance, health insurance in addition to Medicare and prescriptions and a ton of doctors. I just have to get well. I am trying to spread the doctor appointments out, but the epidurals for the spine pain are 2 visits per month. I might be able to scrape 1 more appointment in there per month. I now have another hospital copay, as well as the deposits for my electric with the first bill. Been learning how to set up a budget on Youtube. There are a few different ways. I know the envelope and cash way is preferred by many, but not my thing. I prefer to pay everything out of my bank card or automatic withdrawals. Rent I have to pay by check. For years I didn’t have to worry about it, unless it was a car repair.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – (this blog contains my old work), new work is on this blog


Bipolar Disorder 1 under control for over 6 months now with this new medicine cocktail

Aside from the Cymbalta this is the only other cocktail that has worked. Sometimes I miss the mania, but basically it is better without it and all the mood changes.

And this one lets me sleep. No real side effects and sleep. Some days though I sleep way more than necessary, but I take it. I don’t want to mess with this cocktail and screw it up trying to make it better.

Bankruptcy court April 16th in a town I hate to drive in and includes highways which really scare me.

Next epidural is April 17th and on the neck this time. Back is not taking. She says she has other things we can try besides the surgery so I am to quit worrying about that for now. Neck is getting worse and have a problem with numbness (or pins and needles as it should be called).

Still nothing from public housing about the apartment.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – (this blog contains my old work), new work is on this blog


Fall potentially dangerous

I fell this morning. I caught myself on my bed wrenching my back, but at least I hit the bed and not the other furniture or the floor itself. My balance is definitely an issue.

We just had a pretty heavy snowstorm. My dad and son dug us out.

My bankruptcy court date is April 16th in a town I detest, Camden NJ. Not a good town to be in. All of this for about 5 minutes before the judge most likely. I know it isn’t long. Hopefully no one wants to sue me and make me hire my attorney at attorney fees. It didn’t happen last time and hopefully won’t happen this time. You can file, but that doesn’t mean the creditor has to accept it. It really isn’t worth their time because they usually don’t win. I have nothing to pay them with, but it will cause me trouble and that just might be worth their time (to see me suffer some more). I didn’t do this on purpose. I am not having fun and it is expensive to pay a lawyer to file. What I saved from not paying the credit cards the last 3 months goes to the lawyer and to the Public Housing to get somewhere to live.

I wish I had an idea when the funding will come through for more housing. I guess I didn’t make the first cut. She told me I could do some light packing and this gives me time to get rid of stuff here rather than hauling it over there and have to get rid of it there.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – (this blog contains my old work), new work is on this blog


Still no apartment, epidural and bankruptcy

From a supposed move in time of March 1, no communication at all. Very frustrating. I know it doesn’t matter to them and we are just needy nobodies to them. Do they think I would put myself in this position if I didn’t have to. Very humiliating the treatment can be. I am afraid when they finally call to view the apartments I will be otherwise engaged in something I can’t change.

Still waiting for my court date for the bankruptcy. I did get the court number for my case, but still no date set.

I just had my 3rd lumbar epidural. I actually feel less pain this time. Maybe it will work this time and we can start on the neck. This time I did it with iv sedation and not a local. I never felt or knew it happened until they were waking me up. Costs more, but the way to go.

The office changed their name to Corda Pain Institute. Sounds more professional, but they are completely out of control and over booking and can’t handle parking, seating and the wait times are ridiculous as they also brought more doctors on. Every time I go which is usually 2-3 weeks apart, they have changed their procedures. And the left hand doesn’t know what the right hand is doing. They are driving me crazy.

SoI have started packing and donating to the thrift shop as well as trashing a lot. Most of it needed doing anyhow. Less to take with me. Took a car load to thrift store today. And both my dad and son are getting rid of things they don’t want either. Had trouble getting rid of things so far, but really they have no value to me or they wouldn’t have sat in boxes for over 14 years, some long.

So tired of going nowhere.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – (this blog contains my old work), new work is on this blog