Thanks, puckyjan, I am struggling. I decided to make a budget for the rest of the month and when I went to my online bank account I found that AIG insurance had taken a payment out despite me calling them and cancelling the acct. They say it will take two weeks to reimburse the money and there is nothing we can do to speed it up. My bank acct is in a negative balance and I have animals and a kid to feed. This day just seems to get worse and worse. I want to just sleep my problems away but I can't sleep.