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Nancy,

This is very wise. I told my wife that you cannot run up bills then file bankruptcy. I said as a safe bet we would need to be extremely froogle for at least 6-12months before we considered bankruptcy.

I will chat with her again this evening. I suppose I would need to talk to her about cutting cable, potentially internet and home phone first... then the pain that be getting rid of my car for a cheaper one (I wanted to get a banger in the first place but had no cash to buy one, which is why I went for finance).

I suppose if we made some radical changes now then we could revisit our situation in a few months time? We argue sooooo much about money and generally our unhappiness is due to our money situation.

Thanks again...
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