angie, I get the same look from zian...

dont stress about the talking....our boys are just lazy...lol
believe you me...once they start we'll beg them to just stop for 5min

re finances....my story...
we stayed in jhb & both me & dh earned good salaries & owned a flat & things were going good financially, but our marriage was on the rocks...
then I got a offer to transfer to CT.
It has always been our dream to stay here so we packed up & came, thinking that dh would get a job easily with all his experience...
suprise, suprise.....
in CT they dont care about exp...only papers & dh had nothing...so for months he could not find a job...we had to sell our place in jhb, coz we could not afford rent & a bond...the profit we made from that helped us survive a few months....then it was finish & the trouble started...
we were fighting all the time coz I was depressed & stressed & he felt worthless cause he couldn't find a job & support his family. I made soooo much dept....without him even knowing about it

then he got a job for a very low sallery...so I kept making dept & lying about things

after about 2 years he worked himself up & started earning more money, but I was running into walls not being able to pay all my dept....so he found out about it & we almost got divorced again

I was so negative about everything & just wanted to pack my bags & go back to jhb & start all over again.
got some good advise & went to a dept consolidating company. they helped me to work out a budget & I was put under dept consolidation....so now I pay my dept of every month...only the amount that I can afford. it will take a few years longer but atleast everybody is being paid a small amount that they aggreed on. while I'm under dc I cant make any other dept, but once I've paid off everything, my name will be clear & dept free

If things are getting out of hand, I really suggest you do it, just make sure that the company is regitered with the national dept council!!!
there are some crooks out there
now things are getting better & our lives are much more possitive.
Talking is the best meds xxx