I understand where you're coming from. I just got a job, but it's only 7-8 hrs a week, so the pay isn't that great. I was making more on unemployment, but that ran out. I think we're behind on every bill we have except for water and car insurance. Our mortgage is in default, but we're slowly paying it back. It's like an endless cycle, and even though we've borrowed money from my husband's dad, we still can't get caught up.