To make sure you have enough money left over to rebuild, you'll want to keep an eagle eye on your "must have" expenses -- the shelter costs, food, utilities, insurance, child care that form your essential bills. After losing so much and living without for so long, it would be easy to rush into commitments that you can't really afford in your efforts to restore some normalcy to your life. Resist the temptation. Keep those "must haves" under 50% of your after-tax income.
If you can delay a purchase for a few months with no serious consequences -- for example, clothing or dining out -- it's not a must-have. If you're contractually obligated to pay something (a credit card minimum, child support or a cell phone bill), it's a must-have, at least for now.
Now that you have just filed Bankruptcy in Utah you are ideal candidate for credit cards, car loans etc. Be careful, the process was not fun the first time, don't put your self back in the same position.
Be smart, make a plan, budget.
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