What Can They Take?

My concern-focus has shifted over the past week or so.

I had been worried about what can they take, what's going to happen, etc. Now, as far as I'm concerned, they can have pretty much whatever they want. I just want to make sure I disclose everything and make sure that our somewhat complicated situation comes across as just that rather than as fraud, which it's not.

I'm still worried about mom's money. She's used the money for what she was saving it for and she doesn't want to spend the rest. I'm going to find a link I posted a few weeks ago that deals with our situation, write a rough draft of a letter, and have the lawyer look over it on Monday. It would be nice to have a document signed by her stating that I never had an equitable interest in the account, it was never meant to be half (or even less) mine, etc.

I'm a little disappointed in that I can't load up the car with stuff for Goodwill. Every few months I get the urge to purge and now that I'm working on our possession list it's come up again.

Revised Revised To Do list

 Change Banks


Yay! All complete except to make sure that our health insurance comes out of the correct account (mail in form for change has been sent, with plenty of time, but who knows if it will actually be processed in time) and the disability payment goes into the correct account. *crosses fingers* Everything on our end is finished, however.

1. Change Hubby's disability deposit - Pending
2. Change Hubby's paycheck direct deposit
3. Change account that life insurance comes out of
4. Change account that YMCA membership comes out of
5. Change account that Netflix comes out of
6. Change account that Paypal is linked to
7. Set up new bill pay through Landmark Bank
8. Take my name off mom's account
9. Take my name off our BOA joint account
10. Close my savings account and my checking account at BOA 

Paperwork

1. Print worksheets off internet site
2. Complete rough draft for lawyer to look over - Mostly Complete
3. Copies of tax returns (2005-current just in case)
4. Copies of closed bank account statements (6 months, just in case)
5. Copies of W-2s from hubby - Now have past four, however waiting on filing date to know which we need or need future copies
6. Copy of hubby's disability letter - Have but not in pile of Chapter 7 stuff
7. 3 months of bank statements prior to filing
1. BOA
2. Landmark
3. ING
8. Copy of Roth IRA statements - Have but not in pile of Chapter 7 paperwork
9. Possession List - In progress

Mom Assorted


Looks like I can't go any further until I talk to the attorney and find out what else she can do.

1. Prepay for cremation expenses
2. Pay off car
3. Purchase travel plane tickets for her yearly family trip 

Yay! It's here!

I checked our bank account and our tax refund is here! That's exciting news because it means I don't have to juggle April's funds to pay the lawyer a retainer on Monday. I can pay in full immediately.

Hooray!

Nothing New

Nothing new to update... working on my paperwork for my appt. on Monday the 5th.

Decisions - April First(ish)

I've decided that I'm going to split April's funds (those that I'm not using for paying off credit cards but can't save as well as the premium for my auto insurance as I paid the rest of the six months off in March) in the following manner:

$200 to retain the lawyer so we can start reviewing the paperwork I've completed
$400 to buy a package at the chiropractor (I'm double-checking that this is okay with my attorney first) as I get 12 treatments for the price of 10
$45 to get oil changes for both our cars (I have coupons for $17.95 + tax each)
$45 for my lady's wellness visit

In May I'm going to get my teeth cleaned, examined, and the three cavities that I've been ignoring filled (hopefully I won't need any more).

Ideally we'll be able to actually file by the second paycheck in May which means we can start saving money in June. *crosses fingers*

Sadness

My mom's Neptune Society kit came via FedEx yesterday.

In it contains various contents including the urn that they provide for her to be placed in when its time.

I had been curious to examine the items to see if they're high quality... but I couldn't bring myself to do more than put the package on her recliner.

It strikes me as very, very sad. I hope I won't have to open the box for another twenty years.

Knowing all I have to do when she does finally pass is to call an 800# is comforting, however. It was a good use of her money, albeit a depressing one.

Revised To Do List

Change Banks

1. Change Hubby's disability deposit - Pending
2. Change Hubby's paycheck direct deposit
3. Change account that life insurance comes out of
4. Change account that YMCA membership comes out of
5. Change account that Netflix comes out of
6. Change account that Paypal is linked to
7. Set up new bill pay through Landmark Bank
8. Take my name off mom's account
9. Take my name off our BOA joint account
10. Close my savings account and my checking account at BOA

Paperwork

1. Print worksheets off internet site
2. Complete rough draft for lawyer to look over - Mostly Complete
3. Copies of tax returns (2005-current just in case)
4. Copies of closed bank account statements (6 months, just in case)
5. Copies of W-2s from hubby - Waiting on filing date
6. Copy of hubby's disability letter - Have but not in pile of Chapter 7 stuff
7. 3 months of bank statements prior to filing
1. BOA
2. Landmark
3. ING
8. Copy of Roth IRA statements - Have but not in pile of Chapter 7 paperwork
9. Possession List - In progress

Mom Assorted

1. Prepay for cremation expenses
2. Pay off car
3. Purchase travel plane tickets for her yearly family trip