Well, we took a major step in our lives today. One which hopefully will set us on the path to a better future. We retained a lawyer and filed for bankruptcy. She was really nice and professional but I felt very dirty laying out all our bills for the filing. I can't believe how many we had. It sure will be good to get rid of all that nasty stuff and start over. We really want to buy a house someday but we had no chance with all the money we would have had to shell out to make things right again. I just don't make enough at work to do that.

Speaking of our income to debt ratio. We figured it out and we are not breaking even here. It's only when we put off a bill can we buy anything we need. Of course my wife could get a job but waitresses make well below minimum wage here and the tips are said to be less than lucrative. Other jobs are few and far between. I guess the unemployment rate around here is immense. I dunno what to do besides plan to not eating. I'm not exaggerating in a least bit.

Lastly, in a related point... I may not be able to keep writing in this blog for a while. We're getting our internet access cut off tommorrow. Another bill we had to skimp on. Oh well, times will be better God willing.