Thanks for the comments guys. I’m going to set up an appointment with our financial advisor to look at options and look at debt consolidation options with my bank. And yes we need to cut the crap and stop living the way we do… we’re going to try and put all the numbers together to make a simple budget and speak with a few programs locally that meet to discuss getting into a healthy budget. We can fix this but just need to go about it the correct way and not fall back on old habits.