[Sam Cree]

Well, I hope you get it worked out, glad you have the job with the university.

But take a good look at your fixed expenses, the ones you can't control, vs. income, then your discretionary expenses (the ones you can control).

I apologize if I'm saying the wrong thing, but the answer is usually in the math.

[RosieCotton]

Oh, I've done the math, believe me. Over and over and over. And cut expenses as much as I can, though I admit to a small "treat" once in awhile - certainly nothing big.

Until I get ahead of the bills, I'll never catch up. I can live on what I'm making once that's done. It'll still be very tight, but possible.