Today was a productive day. I got up this morning, did my morning pages and got ready to go see the bankruptcy attorney about the bankruptcy, otherwise known as the Big B. Hubby and I were expecting to go and sign the papers so the attorney could file them and we would be protected from some creditors that have judgments against us and have been trying to get money from us. But, with the refinance, we were due some refunds from our old homeowner's insurance company and from our old car insurance company. Because the house refinance has a 3 day lemon law, they have to wait for 3 business days before the loan will get funded from the time we signed the paperwork on Saturday. So the old homeowner's insurance company got paid in full, $2100. Calling them today, I cancelled the insurance and told them to issue us a refund. They said no problem and the check will be sent out and we should receive it in about 2 weeks. Then I talked to our new homeowner's insurance company and added our cars onto our policy and used the discount we get on having a multi-line policy to fund the car insurance. Then I called the old auto insurance and cancelled with them and asked for a refund, which they said will take about 2 weeks.
Now the attorney said that we need to wait until after all the refunds to come in and be spent on paying the mortgage, doing home improvements and other things. So, we are going to pay the mortgage in advance, get the dog's teeth fixed, buy me an adult tricycle, and buy paint and painting supplies for painting the inside of the house. We also need 6 ceiling fans installed. Or we may just pay 2 payments on the mortgage. Or pay one mortgage payment in advance and finish paying off the auto insurance for the year. I don't know, I need to call the attorney tomorrow and discuss it.
Now I have to answer the phone and track who-all calls me and there is the possibility that the creditor with the judgment against us will go ahead and garnish hubby's wages but we will only lose about $300 that way, compared to losing all the refunds. So the stress is on me to deal with all the creditors. I got so anxious about it that I had to take an anxiety pill by the time we got home and took a nap. When I woke up, I was feeling so much better.
This afternoon I was able to work and finish the photo box for my daughter, Cassie. It is a collection of photos from when she was born to the time she was 4 and we went to Disneyland in Florida. The pictures are mostly in order but some are out of order but adorable so I wanted to make sure she got them. I also have duplicates of the pictures to give her in case she wants to keep them for her kids. I am pretty proud how nice it came out. Now I just have to destress the box so it looks nice and number the dowels in each drawer so she will know what order they go in.
I also finished a present for my husband. I managed to get it done and he doesn't know it is for him. I am so happy! We ended up with a little bit of money to buy presents for each other and I am thinking about what else to get him, maybe some type of tool.
I am finished making presents for Christmas. The only things we need to still get is a gift certificate for my parents for Walmart, because that is where they are going to buy their paint and supplies to paint the inside of their house, and something for Cassie. Still pondering what to get her.
Tomorrow Holly is going to come over and bring sanding paper and different colored Sharpies for me to finish the photo box.
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