"OK, I understand you don't want to refinance. We have two options here. Increase income or decrease expenses. I know how hard you are working and that the economy is tight right now. So I know it's hard to increase income. So do you have some suggestions on how to decrease expenses?"
His FOO really did a number on him. Have you read up on irrational beliefs?
M22,H45,W45 S21/18D12 Retain faith that you will prevail in the end, regardless of the difficulties and at the same time confront the most brutal facts of your current reality, whatever they might be.
