Hmm the second car is on finance and we will have to default on that loan to get rid of it, which I am sure they will chase us for. It was a dumb loan choice ($12,000 for a $6,000 car) but the only way we could get a car at the time- oh how we rush and demonstrate stupidity!

DF can't give up job as he isn't qualified in anything else and therefore we will still have a ****ty wage anyhow.

I am leaning towards not wanting to d it after researching it this afternoon, but hte look on DF when he considered being able to wake up one morning not worried about which bills we would prioritise to pay and which we would put off and take abusive calls from makes me want to do it.

Why isn't there some magical fairy that comes down when they see you have learnt from your stupid naive mistakes. Why can't the magical fairy drop in for a cup of tea right now and say- "ok I can see you know what to do now... here is a clean slate."

I just feel so hopeless, it seems such an insurmountable amount of money and I don't want DF and I to end up separating because we are both so worried over $5...

I don't know.