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Thriftygirl, thank you so much for the awesome inspiration!

Leviathan, thanks for waking me up!!

cleem, I am so glad that I found someone in the
program. Thanks for the infomation.

esthermae, thank you for laying out the facts for me!!

You are all wonderful!!

Debt management and HEL are out of the question. I certainly will not touch our 401K again since that is our nest egg.

My wife and I will certainly work out a strict budget and live below our means. I decided to put on my punching gloves and battle it out with my creditors myself!! We don't plan to retire in this house, so the balloon payment on our second loan isn't an issue for now.

I printed out all your messages, and I will post them in my den where they will provide me with much needed encouragement and support. I will keep you posted on my progress! Thanks again.

O.
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