to those of you who answered my question earlier about my current financial dilemma. even the opposing answers were good, i took them as constructive criticism and honestly i was so upset when i found out about everything this morning that i was able to see both sides after hearing some of your answers. i probably would've been an irate bitch if i had called the office again before being able to step outside of the box and realize i have to take all the blame for that situation. i have printed out my entire spending history from january 1st, 2011 til today and plan to sit down with DH tonight and come up with a concrete, solid budget. thank you all again!