I don't know about you

...but I have a really hard time writing when things are not going so well! This time it is financial ... after 10 years of not working and staying at home with the kids, our financial situation has finally gotten to the point of major suckage!! This has been coming for a year or so, and I have been trying to "stem the tide", but the big ole wave is getting closer and closer to home and I am not quite certain how we are going to get out this time. My major piece of advice to anyone who might want to ask, don't think that your credit cards can solve any problems... they simply make things worse, and worse, and worse. Now, I have always known that the cc's were a stop-gap measure for a very short period of time, but as the kids have gotten older and older, the opportunity to pay back down to zero balances has simply disappeared.

7 months until the littlest one is in school full time ... we have promised I wouldn't go back to work until then and we have been so relieved to have been able to keep that promise, but something has to change, and soon!