I have a suggestion for you in regards to finances. Look into Dave Ramsey's Financial Peace University. My church offered it a few months ago and on average, people retired over $3k in debt and some saved a comparable amount--in a 13 week period. Everyone I spoke to said that they felt it was completely worth it and will recommend it to everyone they know who is struggling financially. I am looking at joining the next session that starts the end of June.
Other than that, I reiterate what FH said--patience.
Living God's blessings with grace and dignity~ SMW
M40/H36 T16/M14 4K B2/08 S4/08 current
Love never gives up, never loses faith, is always hopeful, and endures through every circumstance. I Corinthians 13:7