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Hi Joel-

Your right, I got caught up in life issues, and missed details in time to keep them from impacting things. I had automated billpay set to biweekly payments, and occasionally it gets out of synch with the bill cycles, and I didn't catch it this time- thus, late payments. I've switched to weekly payments to hopefully keep this from ever happening again.

I'm hoping the steps I'm taking now will help address the base problem, which is my poor budgeting. Originally the balances grew because of reduced income due to disability or being out of work entirely. After that, the problems are all of my own making. I'm working on Quicken to see if that can assist me.

Could you tell me what an e-fund does, and how I would set one up? I'm very interested, but not sure how to investigate it. Is it like a CD, or a stock?

Regards,
Kara

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