I Declared Bankruptcy!

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Wasn't the route I wanted to take, but had no other option. I was paying credit card debt, interest charges, and being influenced by someone to go do things that cost money, buy fancy stuff, and loaned money to them left right and centre. Plus I had to give 10% as a "tithe" to the congregation I was going to or else there would have been an onslaught of guilt trips. The reason why I'm sharing this with you is because I want to encourage you. You are not alone. It's not a shame. It is an action that one must take when circumstances go beyond our control. During the past year I've learned a lot about myself. Establishing a budget was the first thing I did. I got to see where my money was going and how much was coming in. Then the tough choices came rolling in. I ended up giving up things that I realised I didn't need after all. I was surprised at all the subscriptions I was paying into. After having a few pow-wows with my family, I began cutting things out slowly but surely. And while a lot of you may think it a huge sacrifice, it's not really. It's like a huge weight has been lifted off my shoulders. As I was making these tough decisions I began to notice some character changes. I found myself appreciating the simple things in life. I wasn't so drawn in to the latest gadgets, the latest fashions, the latest trends. I see consumerism on a whole new level - how buying quality is good, and not useless crap that we buy at the dollar store. I've also become more responsible in managing my things, recycling, donating, and simply stopped buying on impulse. Last but not least, I became more self aware of my emotions, and not only empathise, but actually relate to others going through the same thing. I can be a support for people who wants help. I've had a lovely lady sit with me throughout my bankruptcy process. She's also been there, done that herself, and am grateful for her support. If you have decared bankruptcy, how did it change your lives? I'd love to hear your stories! :)