(((((((((((((((jenniferever)))))))))))))

wish I could give you advice. My bank account has been frozen,we were trying to pay off a rather large overdraft andwent over it again. I give up. W e are 3 months behind in our mortgage, have credit card debt. since my husband was made redundant from a very well paid job we are now going to the dogs quick.
I sympathise with you. I just bury my head in the sand these days and think, well, tis only money, shrouds dont have pockets and se'll manage somehow.

hugs, Jinny xoxoxoxoxoxoxo