Drats...

So I am reviewing my paperwork and realize I have missed a deadline by two days. Well, really it would be more than 2 days because I am not ready to file the rest of my paperwork. Still I am disappointed that I will have to work on that part of my paperwork again.

See, to file Chapter 7 bankruptcy, I need to complete a credit counseling session. I chose to work with CCCSF which is the Credit Counseling C? of San Francisco. I had to go through all the debt I had which was like 20 creditors. Then I had to go over ALL my expenses, right down to beer and cigarettes, which I don't smoke, but I think it was funny. It was embarrassing to recount all the debt I have and all the expense I have. I mean even though my income has increased dramatically, I still am not breaking even at the end of the month. There are still variables like food and gas that catch me by surprise every month. I have to plan better, and I have started saving my reciepts and tracking my spending in an Excel spreadsheet. If I feel especially techie, maybe I will post it on here. It works well for me, when I use it, which has not happened in the last few months, but I am about to go through my reciepts for august tonight and I will be caught up in time for September.

So that is my progress for today. I am proud of myself for even looking at this stack of papers today. And maybe it is a good thing that the counseling cert expired because I have more income now and would like a real look at my financial situation. I know I will still need to declare bankruptcy but I want to know how much better things have gotten. Just gotta buckle down and get it finished. It only took me 2 years to get the certificate in the first place, what's another 6 months???