Well today is the day my husband and I have our sitdown. We are going to sit down and face the reality of our situation. We are going to go through all of our bills with a fine toothed comb and see exactly where we stand financially. We might fight we might cry-who knows but we agreed that we will not hold grudges. We agreed we will attack our problem so we can give our children some kind of future and move forward instead of backward. I bought some folders to gather all of our important papers. This is the first step of our journey into being debt free