He did it!!! DH got all the bankruptcy forms filled out, and we went and met with the attorney today. It seems like it will be relatively painless to get those debts out of the way. Like I thought, he is able to file bankruptcy without me, so my credit will be intact. What a relief!!!
The money will still be extremely tight after the bankruptcy, thanks to the truck loan and the four wheeler (ATV) loan, which, since they are partly mine (due to the open-ended loan agreement from before--what had happened was, back in like 2002, we had to put in a new well. We got a joint loan from the credit union for that, and then, because I trusted DH completely, and he trusted me, we signed an open-ended loan agreement, where if we needed a loan, only one of us would have to sign for it...anyhow, when DH got the 4-wheeler, he got the loan at a different bank, and his truck loan was with a different bank too. But then he went to the credit union, and they, unbeknownst to him (or so he says) looked at my credit, and, without telling him that they only look at the "better" credit in a joint situation, told him that they could give him a better interest rate, so he moved both of those loans to the credit union, and suddenly I was on the hook for two loans I never signed up for. So my word to everyone, no matter how strong your marriage is at the time, don't ever sign one of those agreements!!! Anyhow, after the bankruptcy, since my name is still on those loans, I'll still be responsible for them...)--still leaves my budget about $400 a month more than what I'm currently bringing in, but I'm hoping we'll get enough of a tax refund where I can pay some things down...anyhow...I've been somehow managing for a year and a half, I guess I can go for a while longer, right? It all seems to work out eventually.....At least now, the bill collectors will stop calling, and I won't have to worry about a lien being put on the house or anything like that....and DH won't have to worry about if he gets a job, are they going to garnish his wages or whatever.....
He's been wearing his CPAP machine at night again. For the longest time he refused to wear it, now that he's wearing it, I am seeing big changes....a lot less mood swings, a lot more humor, a lot more like my old DH....so maybe the CPAP is part of what was missing???? I don't know, but I sure am not complaining!
And he's been trying to cut down a little on the pop, so that made me happy too....I came home last night to find that the case of pop that I had bought him two days earlier was only half gone!!! Maybe there's light at the end of the tunnel.....
Wednesday, December 19, 2007
Progress!!!
Posted by Carol at 10:52 PM 1 comments
Labels: bankruptcy, bill collectors, debt, husband, marriage, mood swings, overspending
Sunday, December 16, 2007
The irony will make you laugh!
DH and Jim got a game for the computer (with Jim's money), "The Sims Deluxe Edition". It's kind of a role-playing game. You create a character, the computer gets you going, and then you kind of vicariously live a "different" life through this character. And the computer imposes the consequences of whatever actions you take, so things might not end up the way you thought they would. They installed it, and DH played it for several hours before I got home.
He told me about his character, which he named "Chuck Wagon" (rolling my eyes)....and then he told me this:
"He's always so depressed!!! I don't know what to do!!! All he does is sit on the couch and cry about how depressed he is. Then he complains about how he can't find a job because he's so depressed. But he really has to find a way to get motivated to find a job, so he can better his situation and get rid of the depression. But he can't, so he sits on the couch, eats cookies, and cries. Then he goes to the bathroom, and comes back and does it all over again!!! I am so frustrated and it's so boring!!!"
I started laughing out loud. He told me to shut up. I don't think he saw the parallel until I started laughing.
Posted by Carol at 12:42 AM 1 comments
Labels: depression, husband
Saturday, December 15, 2007
Worried about my mom
If you remember, my mom (age 78) broke her hip at the end of October, she had the surgery, and she did great in rehab in the nursing home.
Unfortunately, now that she's back in her assisted living apartment, she seems to be having quite a bit more confusion than she did prior to her fall. One day she took the top and pump assembly out of her "Softsoap" bottle, apparently not knowing what it was for, and somehow got the entire assembly shoved into her toothpaste tube for a cap. She then brought the cap of her toothpaste to me along with the soap bottle and told me "I can't get the cap to go on."
Another day, she was putting away laundry, and she told me, "I just can't tell which ones are the big towels and which ones are the small ones right now."
And the pills. For two years she has lived in the assisted living apartment. For all of those two years, I have set her pills up in a set of three "day of the week" containers, one for morning, one for noon, and one for night time. Each container is a different color. She has almost never had any trouble taking them. And now since she has been back home, she can't do it. She wants to take all three sets at once, she wants to take the nighttime pills in the morning...we had to up her care level at the assisted living, because she now needs someone to coach her with the pill-taking.
This is new. And unfortunately pretty scary. I've known for a long time that hip fractures are really really bad news for elderly people, so it should really come as no surprise, but it still does. It seemed like things were going so well. She doesn't even use a walker now, except on long walks!
My brother spent a couple of days with her this past week and told me that she got up at 5:30am (early for her) and got extremely agitated because she couldn't figure out how to dress herself. Even in the nursing home, in the rehab, she was putting on sweaters and stuff....
So earlier this week I brought her to the doctor, he did blood work and a chest X ray and said she has a "possible" urinary tract infection, and a "possible" pneumonia. So she's been taking antibiotics, but they don't seem to be helping the confusion much.
We think she has had a type of dementia called "Posterior Cortical Atrophy" for about 6 or 7 years now, and it's rather uncommon, so I'm always unable to find out much information as to what to expect. I'm scared that there's something medical that I'm overlooking, this change was so sudden....and I'm scared that there's nothing at all to be done. I hate this. Another person I love with cognitive issues, and I didn't sign up for it.
Posted by Carol at 2:27 AM 1 comments
Labels: assisted living, dementia, elderly, family, mom, therapy
Thursday, December 13, 2007
Wonders never cease
DH up and finished the bankruptcy forms!!!!
So I paid his bad check, and now he won't go to jail (yet anyhow).
He also called the attorney and set up an appointment, but it turns out he has to reschedule because DD has an orthodontist appt. that day and it can't be rescheduled.
But it's progress, for sure!!! I got such a good feeling thinking about not having bill collectors calling all the time any more, I was amazed. I hope he can manage to follow through and get this over with.
Oh, and he didn't get off scott free with the check, either. It appears that once the Sheriff's department is involved, in order to stay out of jail, he is required to take a 4-hour class (presumably to ensure that he handles his money better in the future). So even though I paid the money part, he still has to go to the class. That made me feel a little better about "enabling" him, too.
You know, I really miss my old DH and the fun things we used to do when we had discretionary income, I hope someday I can have that again...
Posted by Carol at 11:53 PM 1 comments
Labels: bankruptcy, bill collectors, debt, enabling, overspending
Wednesday, December 12, 2007
Lower your expectations....
Well, first of all, what I decided to do about the bad check thing was this: I told DH that I would pay it for him, on the condition that he finishes filling out the bankruptcy forms completely. He seemed ok with this, and I felt that it was more than fair. He has until Tuesday to pay it before the warrant is issued, so we'll see what he actually does....I really very much don't want him to go to jail, but sometimes it's so hard to separate his bipolar behavior from his DH behavior, and I just wish there was some way I could get him to see things the way I do...I know though, that if he could see things like I do, then I guess he wouldn't be bipolar (or I would, LOL)!
The second thing is, I took DD to her therapist today, her therapist is aware of what is going on with DH. I like DD's therapist a lot. She asked me how I was doing (when DD was out of the room) and I kind of vented a little to her. And then she told me that the best advice she ever got was some advice given to her in regard to her own special needs adopted kids, the person told her simply to "lower your expectations". "If you lower your expectations, you won't end up disappointed."
And I know that's exactly what I need to do. It feels good even thinking about it. I know I will still be struggling with those times when my "normal" DH shows up and I start revising my expectations as if he was my "normal" husband again. I will need to remember that things seem to go up and down, and I should let myself be pleasantly surprised by the positive things he does, and not let myself start expecting those (like feeding the dogs, or getting out of bed).
For several months of all this, I had to tell myself, "I am a single mom". And that way, I just kind of mentally got rid of all my expectations towards DH. Then, when he started to make some progress, I think I was a little too quick to conclude that "things" were back to normal. He started to do things like laundry. So I stopped doing laundry, because that was always "his" job when he was well. Then, when I come home and see that he hasn't touched the laundry, in fact all he's done is lay in bed all day, I get upset. I need to stop expecting right now. It feels kind of like things are "in control."
Posted by Carol at 6:33 PM 1 comments
Labels: bankruptcy, bipolar, daughter, enabling, hope, husband, overspending, therapy
Tuesday, December 11, 2007
The bad check quandary
Posted by Carol at 12:51 AM 1 comments
Labels: bill collectors, bipolar, enabling, friends, husband, overspending
Saturday, December 8, 2007
In which Carol gets upset
Well, it's kind of a long story, but Jim came into some money he wasn't expecting to get, so all of a sudden he wasn't broke. And that wasn't a good thing for DH's spending.
DH and Jim have been spending money every day this week. They bought: A plow for the ATV, insulation and light fixtures for the duck house (even though I tried to explain that there is no need), insulated jeans for Jim, a new cordless phone, and then, apparently, Jim is getting tired of sleeping on our couch, so he bought a 2nd-hand hide-a-bed (in very nice condition), and while DH and Jim were at the 2nd-hand furniture place, they decided we also needed a new coffee table and new end tables. Can you believe all that???
Anyhow, I was starting to get annoyed by Tuesday, and they had only bought the plow and the new phone at that point. By the time the "new" furniture showed up, I was more than a little peeved. All the spending really really bothered me. I wanted to say "you know, if you want to spend money, I've got DH's truck payment and DH's ATV payment, and both of them are due, and we need those bills paid a lot more than we need new end tables"....but of course I didn't.
I felt really uncomfortable about the new "house" stuff, too. I felt like it was rather presumptious and pushy for Jim (or for Jim AND DH, for that matter) to up and buy stuff like that without talking to me about it at all. I really felt imposed on, and I felt like Jim was "moving in" for good, and, since I HATE company, that didn't sit well with me at all.
I do think, though, that Jim was picking up on my extreme discomfort. It would take a real numbskull not to. I was getting terse, and he was concerned that maybe I didn't like the new furniture. I didn't know how to explain it to him without offending him. So I tried to explain it to DH in private, and he said he understood. And I felt like he did. And I felt like my "real" DH was there with me all of a sudden. What a weird switcheroo.
Posted by Carol at 12:18 AM 2 comments
Labels: ducks, friends, husband, overspending
Monday, December 3, 2007
Not the drama I expected...
Well, this morning was DH's first day at his new job. He was so excited!!!! It felt so good thinking that soon he would be bringing home a paycheck again, and it also felt so good to think to myself "he's at work." That's kind of hard to explain, it really was just a good feeling, kind of like maybe things are finally getting back to normal....
Anyhow, before bed last night, he packed a lunch, laid out the clothes he was going to wear, and planned on what time to leave, etc. This morning, he got right up at 5:00 (a miracle in itself), got dressed, I wished him luck, and he left for work.
At 6:45 am, I got DD up for school, then I laid down for a few more hours before I had to go pick up some prescriptions for my mom, and then go to work.
At 10:30am, I got a call. "Hello, is [DH] there?" "No, he's not, can I take a message?" "Yes, this is [John Doe] from [Widget Company], DH was supposed to start work here today? He never showed up."
I called DH's cell phone, no answer.
I immediately started to panic. Did he kill himself? (I didn't think so, he was so excited to work, he would've at least showed up first)....Did he fall asleep on the way to work and get in an accident? Did he have some kind of mental illness episode and if so, where on earth was he????
I didn't know what to do first. I was so scared!!!
I decided I would get dressed, wake up Jim, and see if maybe Jim had some idea as to what was going on.
I was only a couple of steps away from Jim when the phone rang, it was DH. I have never been so relieved in my life. Considering all the stuff that's gone on in the last year and a half, I cannot believe how worried I was!!!!
So what happened, you ask?
DH was supposed to meet [Mr. John Doe] at 7am at [Widget Company].
DH showed up at 7am and Mr. John Doe wasn't there, and none of the other employees were expecting him.
DH talked to the secretary, and discovered that Mr. John Doe had left a contract for him to sign, agreeing to $10,000 a year less than had been agreed to over the phone. DH didn't sign it, he wanted to talk to Mr. John Doe and find out what was up.
Since nobody was available to train him, DH sat down and started to work as best he could. In the first two hours, he fielded several calls from bill collectors, calling for Mr. John Doe. Somewhere in the context of that, he learned that the company was being sued and that all the employees had to be out of the building by January. He also learned that the last two payroll checks that the employees had received had bounced. So he walked out and went to his therapy appointment instead.
Apparently, Mr. John Doe finally showed up at 10:30am and, not seeing DH there, assumed he had not shown up. Hence the call to me. DH knew I would be sleeping, and he had no idea that he "hadn't shown up" for work, so he just waited to call me until later.
I told him he did the right thing (except, LOL, maybe, with the exception of the "not calling the wife" part)
He was commended in therapy, too, for not taking the crap and for making a wise decision, so even though usually something like this would lay him down really low, he wound up feeling pretty good about himself.
And the two hours he did spend "working" were enough to motivate him to want to go out tomorrow and apply for similar jobs with companies that were more stable.
What a weird day.
Posted by Carol at 11:24 PM 1 comments
Labels: bill collectors, bipolar, hope, husband, mental illness, suicide, therapy, work

