I agree with Carl - this is the ticket! Great response, easy to understand and positive/proactive. Thank you guys for the breath of fresh air. Debt is manageable but you have to be on it to make it work for you, not the other way around. I'm working on that myself having just bought a new house with a bigger mortgage and wanting to do the yard, but don't want to get in over my head yet. I'm close to paying off my wedding ring and my husband's doctor bills. So close I can almost taste the raised beds and welcoming backyard paradise!
