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Thank you...the numbers I gave are very much the sum of our spending. The "charity" is actually taking care of a person who situation which is money that cannot be taken away.

I gave the bulk of our spending. Because we are expats and move back and forth in the course of a year, the tracking or budgeting of money for the entire year (we come to the US twice a year) is very complex, but we are getting it flushed out slowly. I completely understand that we need to operate from a budget, one that brings out all ways to save more to throw at the debt.

Thank you for writing. We will work to throw more money at it and keep throwing it till the darn thing is dead and gone!

Regards,
NN
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