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 and minimum loan payments that form your essential bills. … filing for bankruptcy was supposed to give the person a second chance in life-not true once they have blackballed you and your credit-they seem to ignor the part where they are supposed to give you a second chance in life.the