It has been a long time since I’ve been on 43 things. Just went through hell for about 9 mos plus. Recently financial harships. I had a good credit score, but way too much debt. Then a perfect storm, mistake on the payroll, second half of property taxes due, busted water heater, and air conditioner repair…now I’m behind and yuckiness every where! Anyway…I’m going to credit counseling services Monday and get on a debt reduction. I’ve been paying on these debts for years. I’m sad that my credit score will take a black eye…but I’m happy I’m coming out of the bondage of debt.