My mother always told me "There's no situation you can get yourself into that you can't get yourself out of." If you found your way into a financial hole, I'm confident you can find your way out of it. Have you heard of the show Till Debt Do Us Part? The host Gail Vaz Oxlade has a great tool on her Web site to try to manage your debt and get your finances organized. I hope I'm not overstepping a boundary but if you Google her you'll find the site and under "resources" you'll find all sorts of interactive worksheets. All free, no registration required. I'd post a link, but I'm afraid I'm too new. Good luck to you, Riky. I believe in you.