Starfish - Just wanted to offer you some support. I think sometimes situations crop up that we don't expect and we can find ourselves in financial trouble. A couple of years ago, DH's boss stopped paying him so for 3 months we lived off credit cards and racked up nearly $10'000 worth of debt. His boss never paid him and ended up going bust so our money problems compounded one on top of the other until we were in a substantial amount more debt (it is embarrassing to say how much). We have only just started to get on top of it all now - we haven't paid the debt off completely yet, but it takes time to get on top of things and now we feel like we are actually making headway with it. It has been a really hard few years and it will be for a couple more I suspect. I just wanted to let you know that you aren't alone. It isn't a fun place to be, but I hope things start looking up for you in the next few weeks to months. Good luck.