Morning Liz. Kathryn’s post gets to the heart of things. We got to these bad financial places by continuing to think we could change the result by gambling one more time.
It seems the rules are different everywhere. Here home equity loans are low interest because you have something they can take if you default. Bettie may have some insight as she is in the states and has some financial experience in this area. But sounds like you have a starting point with your car. It’s good that you can get lots of points of view from everyone here. You never know what may help.
This is so stressful!
Hang in there Liz. One step at a time you will find your way through this. Laura