Those calls sucked. It would take me hours to get up the nerve to make them. And then I had to admit to the person on the other end that we had done stupid a thousand times over and now we were entering desperate days. I had to lay everything out for them. How much we owed. How much we made. Why we couldn't pay what they wanted. But as bad as they were, they were what kick started this long and horrific journey for which there really is a light at the end of the very dark tunnel. We are still barely making it each month. And it will be this way for years. But for the first time we are seeing real progress. The numbers are going down instead of up. There's hope.
This post turned into my mind's rambling (I'm on serious allergy meds right now :), but I'll end with the tally for January. Drum roll, please.
We paid off another $1,304.99. We may be the tortoise, but we're going to win this race!