Superannuation money finally arrives... *faints*

I've just picked myself up off the floor after fainting. My Superannuation money has finally arrived in my bank account. I checked online this morning and there it was. The letter advising me of such along with the relevant paperwork will arrive in the mail later. I now have to inform the $guru who will instruct me on how exactly to pay the banks, as the relevant accounts have been handed over to their other depts dealing in client debt.

What a fuckin marathon this has been. Think it was about Oct last year that I finally bit the bullet and decided to get some sort of financial advice as to how to deal with a substantial debt that I couldn't service any more, let alone pay off. This was no fault of my own, but simply the result a string of very unfortunate circumstances, including mental and physical illness. I became a client at BGF and arranged to see a financial adviser there (later to be dubbed by me here as the "$guru"). As a client of BGF this advice was free.

After the first meeting with him the situation looked particularly grim. After investigating all options it came down to just 2 possibilities; declare bankruptcy, or access my Superannuation. I decided to give accessing my Superannuation a go, as a last ditch effort to avoid bankruptcy. There was only a chance off success with this, in fact given comments from other people to me about it, it was most likely to fail. The fact that we ultimately succeeded in getting access from my Super for enough funds to cover all my debts is a testament to the experience and knowledge of the $guru, and to just what sort of mental and physical state I've been through in recent times to actually qualify for early release.

The process itself was extremely difficult, as anyone who's followed the course of this over the months on this blog would know. Never in my life have I encountered such bureaucratic bullshit that continued on over the 5 months that the DHS took to approve my claim. I could not have gone through that without the support and encouragement of the $guru at BGF. On one particular occasion I just wanted to give up with it all and declare bankruptcy, but he said to just be patient. He negotiated directly with the banks on my behalf, with the banks chucking fits left and right. I'd not have had the nerve or know how to do that.

In particular I'd have to thank the Labor gov here, as after dumping king Howard of nearly 12 years, Labor was the one who bought in these laws that now the banks have to follow; that if you find yourself in financial crisis through no fault of your own, you can be treated with compassion and patience, and not be instantly taken to the cleaners by the banks. 

In short, I myself at the start saw no way out of this other than the excruciating bankruptcy scenario. But in the end there was a way out. 

Yesterday also the money arrived in my account from my work payout. I'm sort of slapping my face thinking that this all must be some kind of dream or shit. After struggling for so long, to have the situation change like this virtually overnight. .....