Eyes, just read your sich. Yes, most of us have similar scenarios. "Birds of a feather" ya know. . The eerie pattern I've noticed since posting is that a lot of the WAS tend to be 31, then again mine is so maybe I notice that more than other ages listed. /shrug.
Anyways, I've read many of Sandi's posts, throughout various posts. Based on where she was and is, she can provide you / us with priceless advice.
Also, I think I'd shop at GK's store. . The advice he gave you above is awesome.
My main tip, do everything you can truly for yourself. I say this a newer member, that was GAL with high hopes of saving the M. Some of it worked, but only halfheartedly, then I realized to do for yourself.
Live and learn (including our successes and mistakes).