I soooooo can sympathize with your challenges regarding credit and finances. Since H and I just finished building our "dream house" this past summer, we have a ton of debt. The idea was to re-fi upon completion, but now with the split.......
I applied for just an overdraft line of credit for my bank account (so if I mis-calculate or anything, I have a cushion). It's just a $1000 line so checks don't bounce. Well, the credit union we have been with for 15 years turned me down because they show the debt/income ratio as 81%. And we have a credit line on our joint account! And I even asked them to appeal it, but even that was denied!
I am an accountant in a financial services firm, and my employer randomly checks credit of employees. The though of them doing that and seeing this makes me sick! But it's not like I can do anything about it!
So, what kind of books do you read? I have always been an avid reader! I love the sappy romance novels! Nothing with any redeeming literary value! Pure fairytale!! Cinderella, but give me the details!!! And I used to love staying up all night with a good book. It was definitely my vice. A real addiction. (A healthier one than most) But, I can't do that anymore. My attention span is nil and I fall asleep. But, I still buy books by my favorite authors hoping that someday I will get that back.
Take it easy, (((((Dawn)))))!
TJ
Me45,H49 D24,S18 M26,T28 Bomb 3/19/08 Sep 6/23/08 EA/PA with Secretary 2007-8 3/2009 H moved in w/OW2 7/2009 Let him go w/Love. 8/2009 Legally Sep'd
And I used to love staying up all night with a good book. It was definitely my vice. A real addiction. (A healthier one than most) But, I can't do that anymore. 
My attention span is nil and I fall asleep. But, I still buy books by my favorite authors hoping that someday I will get that back. 
