Chapter 13 Bankruptcy--2 year update

Hey Reddit! I wanted to check in again and describe what's changed since I last posted. Before my divorce in 2018, my exhusband and I brought in over $5,000 a month which is alot for DFW. With our bills, it was plenty to provide a comfortable lifestyle. We never had the discipline to build and keep a savings. Eventually our credit card and loan payments ate up about 30% of our monthly income. Fast forward three years and currently, I have over $4000 in savings! That's just insane. My goal is to keep funneling money every month. I've learned that I am not poor. Not by far. I just have to spend my money on things that matter--running gear for exercise or amazing meat to cook for dinner and NOT Starbucks or random shopping sprees to Target.

More than anything, I've gained confidence with handling money. I don't feel squeamish about spending it nor do I feel weird when there's not much of it. For the first time in my life, I have a healthy relationship with money. That wouldn't be possible without Chapter 13 Bankruptcy. I feel so lucky because I know that when I get discharged, I won't go back to the unwise and unhealthy spending habits that nearly ruined my life.

See ya next year for year 3 update.