I spoke to the relevant people about my debt at the weekend. I have been told that even if I need to go bankrupt, as long as the bankruptcy is discharged before I reach the stage of being ordained it will be okay. Obviously I don’t want to go down that particularly road, but I feel a huge weight lifted from my shoulders now that my situation is known and I havent been kicked of the course. Was going to leave this to go with a bigger write up on the weekend, but don’t know when or if I will get around to doing that and so many people have been praying about this, and asking about it, I felt I should tell you as soon as possible!
I am not much one for joy..but…just on this one occasion..I will offer a “Yippie”.
Yippie.
I realise that was an undignified outburst, but I feel it was called for. Just this once mind you.
Yours as ever,
The Broken Man
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Monday, 29 September 2008
Wednesday, 17 September 2008
Selling....
As some of you know, I am trying to sell my flat (which is in negative equity) as I can't make the mortgage repayments. We spent weeks decorating, decluttering, cleaning – and finally three weeks ago the "for sale" sign went up. I know the market is slow – I know it’s the worse time to sell – but there really isn’t a choice. So far we have not had a single viewing.
It's not that I am panicking, you understand – what’s the worst that can happen? We will be repossessed... it's not a great thought – something's got to give. But there are also rays of hope – I got a letter this morning from my work saying they have given me a bonus for a project I worked on. We get to eat for another month!! Sometimes it's so hard to trust that things will come right..but I am trying.
Yours as ever
The Broke and Broken Man
It's not that I am panicking, you understand – what’s the worst that can happen? We will be repossessed... it's not a great thought – something's got to give. But there are also rays of hope – I got a letter this morning from my work saying they have given me a bonus for a project I worked on. We get to eat for another month!! Sometimes it's so hard to trust that things will come right..but I am trying.
Yours as ever
The Broke and Broken Man
Thursday, 4 September 2008
For A Friend....
The discussion yesterday about pregnancy got me thinking again. One of the big issues with teenage pregnancy is it is often the “good kids” who get pregnant. The reason for this is that they are not expecting to have sex, and so are less likely to be carrying protection.
One of the ways we attempt to combat this with our young people is by asking people to “carry for a friend”. By carrying, we tell them that if a friend finds themselves in a situation they will be able to say "here is some protection". Because they are not carrying it for themselves – and we encourage people to talk it through with parents – the embarrassment of carrying it is gone – and yet if it's needed it's there.
In other News:
Finance:
We can take on a debt management plan which would help – a lot – the problem is when we do this we will have no access to credit cards etc anymore, and when we sell we will need to pay the soliciters (as in negative equity that money won't be there where we sell). As such we can't go on a debt management plan yet. Things are, however, improving. We have taken the money we need out the bank for food etc (we take it out at the start of the month so that if things bounce it's not the food bill that suffers) – and we have only just run out of money this month. Last month it was the 1st when the bank was over overdraft – and this month that hasn’t hit in till the 4th.
A book I was looking at yesterday asked me to look at the Lord’s prayer and how it speaks to my personal situation right now. It will come as no shock that in tears I prayed over and over again – "Lord God, forgive me my debts".
It Moves
When I crawled into bed last night and wrapped my arm around my wife and baby, the baby's kicking seemed more pronounced than ever; this is one energetic baby! The midwife at the last appointment was apparently surprised at how active the baby is – apparently the more active they are in the womb the more active they are in life. Yes, folks, it seems we have a hyperactive baby. "Surely not", I hear you say, "you will have a baby who would prefer to sit and read a good book than cause mayhem – surely – your child will be born with a taste for sitting and having a bit of a think…"
If I Were a Rich Man
"Dear God, you made many, many poor people.
I realize, of course, that it's no shame to be poor.
But it's no great honor either!
So, what would have been so terrible if I had a small fortune?"
If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
I'd build a big tall house with rooms by the dozen,
Right in the middle of the town.
A fine tin roof with real wooden floors below.
There would be one long staircase just going up,
And one even longer coming down,
And one more leading nowhere, just for show.
I'd fill my yard with chicks and turkeys and geese and ducks
For the town to see and hear.
Squawking just as noisily as they can.
And each loud "cheep" and "swaqwk" and "honk" and "quack"
Would land like a trumpet on the ear,
As if to say "Here lives a wealthy man."
If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
I see my wife, my Golde, looking like a rich man's wife
With a proper double-chin.
Supervising meals to her heart's delight.
I see her putting on airs and strutting like a peacock.
Oy, what a happy mood she's in.
Screaming at the servants, day and night.
The most important men in town would come to fawn on me!
They would ask me to advise them,
Like a Solomon the Wise.
"If you please, Reb Tevye..."
"Pardon me, Reb Tevye..."
Posing problems that would cross a rabbi's eyes!
And it won't make one bit of difference if i answer right or wrong.
When you're rich, they think you really know!
If I were rich, I'd have the time that I lack
To sit in the synagogue and pray.
And maybe have a seat by the Eastern wall.
And I'd discuss the holy books with the learned men, several hours every day.
That would be the sweetest thing of all.
If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
Lord who made the lion and the lamb,
You decreed I should be what I am.
Would it spoil some vast eternal plan?
If I were a wealthy man.
Maybe..its a God thing that I am not a rich man
Yours as ever
The Broke and Broken Man
One of the ways we attempt to combat this with our young people is by asking people to “carry for a friend”. By carrying, we tell them that if a friend finds themselves in a situation they will be able to say "here is some protection". Because they are not carrying it for themselves – and we encourage people to talk it through with parents – the embarrassment of carrying it is gone – and yet if it's needed it's there.
In other News:
Finance:
We can take on a debt management plan which would help – a lot – the problem is when we do this we will have no access to credit cards etc anymore, and when we sell we will need to pay the soliciters (as in negative equity that money won't be there where we sell). As such we can't go on a debt management plan yet. Things are, however, improving. We have taken the money we need out the bank for food etc (we take it out at the start of the month so that if things bounce it's not the food bill that suffers) – and we have only just run out of money this month. Last month it was the 1st when the bank was over overdraft – and this month that hasn’t hit in till the 4th.
A book I was looking at yesterday asked me to look at the Lord’s prayer and how it speaks to my personal situation right now. It will come as no shock that in tears I prayed over and over again – "Lord God, forgive me my debts".
It Moves
When I crawled into bed last night and wrapped my arm around my wife and baby, the baby's kicking seemed more pronounced than ever; this is one energetic baby! The midwife at the last appointment was apparently surprised at how active the baby is – apparently the more active they are in the womb the more active they are in life. Yes, folks, it seems we have a hyperactive baby. "Surely not", I hear you say, "you will have a baby who would prefer to sit and read a good book than cause mayhem – surely – your child will be born with a taste for sitting and having a bit of a think…"
If I Were a Rich Man
"Dear God, you made many, many poor people.
I realize, of course, that it's no shame to be poor.
But it's no great honor either!
So, what would have been so terrible if I had a small fortune?"
If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
I'd build a big tall house with rooms by the dozen,
Right in the middle of the town.
A fine tin roof with real wooden floors below.
There would be one long staircase just going up,
And one even longer coming down,
And one more leading nowhere, just for show.
I'd fill my yard with chicks and turkeys and geese and ducks
For the town to see and hear.
Squawking just as noisily as they can.
And each loud "cheep" and "swaqwk" and "honk" and "quack"
Would land like a trumpet on the ear,
As if to say "Here lives a wealthy man."
If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
I see my wife, my Golde, looking like a rich man's wife
With a proper double-chin.
Supervising meals to her heart's delight.
I see her putting on airs and strutting like a peacock.
Oy, what a happy mood she's in.
Screaming at the servants, day and night.
The most important men in town would come to fawn on me!
They would ask me to advise them,
Like a Solomon the Wise.
"If you please, Reb Tevye..."
"Pardon me, Reb Tevye..."
Posing problems that would cross a rabbi's eyes!
And it won't make one bit of difference if i answer right or wrong.
When you're rich, they think you really know!
If I were rich, I'd have the time that I lack
To sit in the synagogue and pray.
And maybe have a seat by the Eastern wall.
And I'd discuss the holy books with the learned men, several hours every day.
That would be the sweetest thing of all.
If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
Lord who made the lion and the lamb,
You decreed I should be what I am.
Would it spoil some vast eternal plan?
If I were a wealthy man.
Maybe..its a God thing that I am not a rich man
Yours as ever
The Broke and Broken Man
Friday, 8 August 2008
Wallowing......
I am really struggling today. The car insurance came up for renewal last week and, while I was sitting typing away at the computer, my long-suffering wife asked me whether it needed to go on direct debit to be paid monthly, or whether it could be paid for in a lump sum. Without thinking about it – or rather, not wanting to have the conversation at that moment in time, I said “whatever is easiest, just pay it” or words to that effect.
My wife duly paid the car insurance, and thought no more of it.
She then went to buy food and discovered there is no money in the account. Don’t fear, dear reader, I still have a credit card which has a little space on it so we won't starve but the situation is fairly black.
As regular readers will know, we are trying to sell our flat – let me clarify this situation somewhat. Six or seven weeks ago the estate agent came around and we were all ready to put the flat on the market, but my lovely mother said that really the flat would look better if it had some carpets in it (we do have *some* carpets, but some areas (eg the stairs) the carpets were in such a bad state that we had to pull them up, after falling down the stairs. Twice.
So, anyway, my mum kindly offered to pay for the carpet and the fitting, and told us to put off selling till the new carpet had been fitted. Six weeks later and the person fitting it is still messing us about as to when it's going to happen. Six weeks with a falling housing market means that this may well have knocked another £2000 of the value of our flat, which had already gone into negative equity anyway. I know it's not a good time to sell, but we realised that our fixed rate mortgage runs out soon, and we can't afford for our rate to rise. We also had a letter today from the mortgage company telling us that from October, we would have to pay £125 more each month on our mortgage. That gives us less than two months to sell our flat before we get into *serious* trouble.
I really am feeling rather panicked. I know we won't starve; I know it won't come to that, but I can't see an end to the debt and I really just want to cry. I am trying desperately to “look on the bright side” but today...its just not working. Sorry to moan; I know its most unbecoming and that I should just be trusting that it will all work out but, in honesty, right now, it doesn’t feel like it will.
Yours as ever,
The Broken Man.
My wife duly paid the car insurance, and thought no more of it.
She then went to buy food and discovered there is no money in the account. Don’t fear, dear reader, I still have a credit card which has a little space on it so we won't starve but the situation is fairly black.
As regular readers will know, we are trying to sell our flat – let me clarify this situation somewhat. Six or seven weeks ago the estate agent came around and we were all ready to put the flat on the market, but my lovely mother said that really the flat would look better if it had some carpets in it (we do have *some* carpets, but some areas (eg the stairs) the carpets were in such a bad state that we had to pull them up, after falling down the stairs. Twice.
So, anyway, my mum kindly offered to pay for the carpet and the fitting, and told us to put off selling till the new carpet had been fitted. Six weeks later and the person fitting it is still messing us about as to when it's going to happen. Six weeks with a falling housing market means that this may well have knocked another £2000 of the value of our flat, which had already gone into negative equity anyway. I know it's not a good time to sell, but we realised that our fixed rate mortgage runs out soon, and we can't afford for our rate to rise. We also had a letter today from the mortgage company telling us that from October, we would have to pay £125 more each month on our mortgage. That gives us less than two months to sell our flat before we get into *serious* trouble.
I really am feeling rather panicked. I know we won't starve; I know it won't come to that, but I can't see an end to the debt and I really just want to cry. I am trying desperately to “look on the bright side” but today...its just not working. Sorry to moan; I know its most unbecoming and that I should just be trusting that it will all work out but, in honesty, right now, it doesn’t feel like it will.
Yours as ever,
The Broken Man.
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