Dexter, I know where you are at. I have been there, and could be heading there again. I'm really scared about that and trying to prevent it, but feel that it's almost inevitable. I'm a bad debt person now from that time before, and that wasn't very long ago. I was great with my money before, got a car loan with no credit back when I was 20 and single. Of course, that was a long time ago. Now, this is all post-separation/divorce. I'm trying to think positive. The only reason I've made it so long right now with no job is that I "hoarded" my money while I worked. I didn't bother to pay my old credit card debt because I couldn't even make the minimum payment. I did make occassional payments of like $200 though, if I had that much to spare of from a gift. I've really cut back on prescriptions as well. I'm not taking much of anything right now, but a couple of things. Last year, I spent over $1,000 in prescription copays--and I cut back alot then, too! I'm afraid that this month will be the end. I hope to still have a home, but we'll see. I'll keep you in my thoughts, Dex. We can support each other. {{{{{{{{{{{{{{Dexter}}}}}}}}}}}}}}