Whew, is all I can say.  What a really depressing day for me.  Finances are a mess, I can't really say that I have a handle on too many things in my life at the moment. The only thing I am certain about is that my wife and kids love me, my wife has stood by me through thick and thin over the last couple of years and quite frankly, I don't know how she did it.

We are seriously in debt, well when I say seriously, some people may laugh at me and respond with "what the hell are you on about?"  As ...
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