unforseen bills are Gone oh ya!!!!!!!

[Llamarama]

btw if you end up going to bankruptcy route look into a consumer proposal....it's sometimes a better option than bankruptcy. debt is such a terrible thing

[Skimmerking]

Hey all thanks for all the kind words and great opinions. However I'm not realy in debt it was just a huge kick in the junk on a few things that were over looked. With me I hate oweing money and well it just kinda hit me from all sides and now the other things like audit too so much for investing my money someone messed up there doing my money oh well maybe it's for the good a 150 gal with some oscars lol

[Slick Fork]

If you left your money to be handled by a professional while you were serving overseas I would absolutely be talking to them about covering any penalties incurred in an (assuming CRA) audit. If you left it with a friend you my be SOL.

A note on bankruptcy, even if it's not relevant to the OP's situation is that it is a LAST resort. What the fuzzy tv commercials don't tell you is that your credit is TRASHED. Want a car loan... how does 30% interest grab you. It will take a long long time for the taint of bankruptcy to come off of your credit report and it's not only credit granting companies that check your score... more and more rental properties want a credit report before taking you on as a renter... same goes for home insurance. It may seem like an easy short term out but the long term costs are staggering. Getting a credit "counselling" company to do a debt consolodation is almost as bad. You're way better off to handle it yourself if at all humanly possible.

IMHO

[Skimmerking]

The money isn't that bad I'm not in bankrupting status. I'm just stressed out over a few things that is all. Momeyisnt really the main concern it's just getting it sorted out and paying it faster off however I have kinda over spent this year on some things too and thank god Tammy is selling houses at a good rate still. Some times it's just good to hear other friendships with positive remarks that make u feel alot stronger. That is what I love about canreef. Everybodyis right the heckout of it. Lol time to stop thinking about money and going to bed.

Thank all for listening to me I really appreciate it now what else to sell hmmmmmmmmmmm. 3 tangs

sailfin show piece 5" eats from your hands
orange shoulder tang 5" same thing eats from my hands
sti on the juvie stage.

Kole tang 5" 8 hrs old I think that Doug iis going to take 2 tangs off me I hope.

[SeaHorse_Fanatic]

The problem with getting out of the hobby to use the money to pay off debts is that in this economy, you'll lose sooooo much money on your stuff that it'll make you sick thinking about it.

Good luck and try not to get too stressed out about it all.

Anthony

[lastlight]

Originally Posted by SeaHorse_Fanatic

The problem with getting out of the hobby to use the money to pay off debts is that in this economy, you'll lose sooooo much money on your stuff that it'll make you sick thinking about it.

Good luck and try not to get too stressed out about it all.

Anthony

All very true. I know when I sold my system I was thinking the same thing but looking back I needed every last cent from the sale of it. Sounds like Mike's situation is not as dire so perhaps he shouldn't sell it.

[jorjef]

Lets focus on the task at hand (see below)...lol I would take one but with a punnie 40 gal I don't think any of them would be too happy.





Thank all for listening to me I really appreciate it now what else to sell hmmmmmmmmmmm. 3 tangs

sailfin show piece 5" eats from your hands
orange shoulder tang 5" same thing eats from my hands
sti on the juvie stage.

Kole tang 5" 8 hrs old I think that Doug iis going to take 2 tangs off me I hope.[/quote]

[fishoholic]

Well I know exactly how you feel, due to an increase in bills, I myself have been going back and forth on shutting one of my 230g tanks down. However it would all depend on how much I could actually sell it for. The extra money would be helpful but I'd rather not take to much of a loss on it.

[Skimmerking]

Well I have been thinking alot about this. If I take donw the tank thati have the 150 and replace it with a another tank and stand of smaller footprint the only thing that im going to get is the less of 1 MH and the odd sale of some fish and so oh ya the filling in of the wall too. so unless i get top dollar which i wont i wont be taking it down. so to all that have helped me out with their responses thank you so much to all the close pms that i received thanks for the positive direction and help....


as I would say to others SUCH IT UP BUTTER CUP a little humour lol