Personal Delimma

Okay, coming into work today was full of stressful apprehension I tell you.

As I mentioned previously, one of my creditors is pushing for a money settlement or threatening repossession of some of my personal possessions, outside my Consumer Proposal that they had accepted. At the time I questioned them as to why they didn't counter the proposal to include this amount and they said it was separate. Well after talking with my Trustee and Financial Advisor who also contacted a Consumer Lawyer, I now have in a letter the legalities of this and have to write my letter to the creditor and hopefully close this delimma.

See they had a chance to counter the proposal - they didn't; the deadline to do so has now passed - so they can't reapply; also they can't accept the proposal plus press for additional settlement - which would be frowned upon by the other creditors and the Trustee's office; plus the items they listed for security did not have serial numbers attached as necessary for repossession purposes. So if they abide by the law - they haven't any legal rights for additional settlement. Also if they continue to persist it would be considered harrassment and charges could be filed with the authorities.

Yes this was a very very very hard and stressful lesson for me to learn!

The reason I'm noting such here is for others to maybe read and know that they really should not sign anything that has any "reasonable doubt" in their minds and that you should look for some type of Community (usually free) financial/legal assistance if such probjems arrise!!! You do have options and it's better to be aware of them when dealing with such creditors as I am right now.

More Postcards

Well it's a good thing I've these postcards to keep me occupied this weekend as I've been threatened with repossession of some of my personal items in the near future if I do not fork over a large sum of money (in my opinion anyways). So needless to say I'm unnerved and I've my Trustee and Financial Advisor looking into the legality of this and seeing what my resolution will be. Hopefully totally dropped, since the TV is not working and the other items are not worth what was noted even if they could resell them, also I've been told they don't want the items but the money - which is a non-issue. So like I said, a good thing I have these postcards to work on to keep me sane!

Here are three pictures, one is of a completed silhouette and the other two showing eleven various Hats n Boots I've prepared for that special order (if it goes through) - they are not finished as yet - see my home PC is being overhauled so I haven't finished the computer printed backs. Maybe this next week.







Yes, that's feathers you see in some of those hats!!! I still have to stitch a buckle of sorts on some of the bands then they'll be finished.

And in between these I've also been working on the December birthday postcards for another group and they are just about finished. Just to generate the computer printed backs and then they too are ready to be shipped off.

AND if that's not enough I did shortened a pair a pants I picked up a while ago and even hemmed them!!! WOW!!!

Budget???

Yep, that's exactly what I thought too - WHAT????

See I LIVED on credit all my life (sad eh!), spent what I wanted, when I wanted and how I wanted till one day I couldn't anymore!!! Sounds like something from a movie, TV or a book eh, but sadly it's real life and probably many more like me too? Now I've always heard of people on budgets and yes even tried (weakly that is) back in 1989 with Angela's help then too but never totally understood the makings of a budget and how it worked.

WELL that is until this past month!!! Sure I was talked through the steps by my counsellor and financial advisor, but did I really understand what I had to do - no I don't think so! Then I again got the basic do's and don'ts from Angela and gathered a notebook, pen and Excel ledger and started on a budget. Well so far so good, but it did not balance with my paycheque so HUH and I was getting frustrated? Then to top it off I knew there was money in the bank - I wanted to go shopping (nope I didn't).

Naturally, I put out another SOS to Angela again and today she was back home from a family situation and promptly said come over. What a treasured friend I have!!!


See initially she got me recording what I spent and sort of a budget but we have no idea of what I really need to live on - no records per se. So today armed with the startings of one month's expenses - from there she set me on the straight and narrow and to top it all off answered all the questions I had worrying me too!!!

WELL need I say more - except that I FEEL like a totally different person - not so stressed out on how I'll manage (might still be some slip ups but I'll make it) and she did say this next few months will be tough for me but it will be worth it in the end!!! I'm counting on that my dear!!! Then she dropped the bombshell and said the next challenge will be a 6-month and then 12-month budget plan - gosh this sounds to much like WORK!!! LOL!