For as long as we can remember, recording artists put pen to paper – and hands to instruments – to showcase their musical talents to their adoring public. Most songs follow the same pattern in most cases: chorus, verse, repeat, then after the orchestral climax in the middle as the song gets into full swing, it comes to an – often abrupt – end. Often the focus is about love – first love, happiness, unrequited feelings, heartbreak or otherwise. And each and every song conveys a message; more often than not about that love and the happiness – and tragedies – that accompany it.
So how is bankruptcy similar to this?
During this time, money is not exactly the object of your affection, but it is taking center stage in your thought processes right now. So to put it into a musical context, the song of bankruptcy would not be a consistently happy one – similar to those countless melodies you hear filled with the agonizing pain of unrequited love. But oftentimes, it is the sad, songs of a slow tempo that tug at your heart strings the most, and are the most relatable.
It would perhaps start in a melancholy fashion, and will feature many twists and turns up until the finale – a much welcome finale in the case of bankruptcy and financial woes. We even wrote a post on this recently, on the emotional bankruptcy cycle. Stress, anger, sadness…these are all completely normal emotions to experience during this time in your life. You, among all the hundreds of thousands of other bankruptcy filers each year, are all experiencing the same thing. And your bankruptcy song will follow very much the same pattern as the filers around you.
It may not have a large accepting audience, but that is nothing to concern yourself with at this stage. To quote the famous Dr. Seuss, “Those who mind don’t matter, and those who matter don’t mind.” Surround yourself with true friends when showcasing your bankruptcy melody. They will stick by you through thick and thin. Even if you have difficulty singing in tune or strumming a guitar. 😉
There are many steps to take into consideration in the process of having your debts discharged – predominantly finding an EOUST-approved provider of the required Credit Counseling and Debtor Education. These would form the body of the first and last verses, respectively. And the remainder of the song is all about you. What do you want to sing about during this time? How have your financial troubles impacted you? Now is your time to relieve yourself of this stressful burden for just a few moments, and envisage life after filing –financial freedom, lower stress levels, and for those of you who are tone deaf, there will hopefully be no reason to subject your friends and family to any more singsongs. 😉
If you aren’t one for singing, perhaps try our bankruptcy video game? It doesn’t matter how you keep your spirits high during a period of financial distress, so long as you have an outlet to effectively do so. When making the strides to eliminate your debts, remember the most important person in all of this: you. Remember to be kind to yourself and keep your spirits lifted. Just like how a heart-warming song does for the soul.