TL - I popped over to check out your thread after you left me such an encouraging message.
I am sorry to hear about your mum passing. It must have been so hard for you, and doubly difficult dealing with refi as well.
But you have made it - and Independent Woman. Go girl!
I need to join you on the healthier eating, never smoked - that was X's vice - but pizza and icecream keep calling. I will get there, and I am sure you will to. Easy in comparision.
