Seeking God Knows What

Well, after much prayer and consideration, T and I are 95% sure we are going to file for bankruptcy.  We still have to actually meet with a lawyer to verify that we can, in fact, file chapter 7 (we fall under the median income for a family of 3  for MI, so we should be able to) but the more we evaluate where we are financially, the more we have realized we are likely putting off the inevitable.  I hate the idea of it but there is also a part of me feeling some relief because we really can start over.

Oddly enough if we eliminate all our unsecured debt minus students loans since you can’t file for those, we would be just fine on T’s salary alone, we could even save money!  And that means I could quit working, something I have really wanted to do since Widget came home 3 years ago but never felt like I could with all the debt hanging over our heads.  I don’t know if I will.

Plus, I had a thought about a possible self-directed/work from home kind of thing, but I have to do some research.  It may end up being a volunteer thing initially but turn into a paid type position if it works out well enough….