Hi BraveMom:I realize you have probably been given a wealth of advice from your posts. Here's something you and your husband might benefit from. Enroll in your local community class for Dave Ramsey's Financial Peace University. Also, find Dave on your local radio station using his site: daveramsey.com and listen every day.Financial success is 20% knowledge and 80% behavior. Your problem is not in the numbers.I hope you find this helpful, and if not, just disregard.Best of Luck,-reb
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