[lizbeth4]

Hi Kathryn, at least you tried.  3 years isn’t long, then you will be debt-free. I know how tiring it is, and how impatient we get.  We will be debt-free May 2012, and it has been a long haul. Our credit is not very good, but we are now paying our bills on time, with money left for groceries, and extras.  Stay positive!!Seize all the good things in life