Hopefully this is my last payday to be broke. We close on our debt consolidation refi on Tuesday. The bills for the month are $2320.00 and we needed $1200.00 to pay what was due this week. With $350.00 bring home pay for me and nothing for my husband, we are at the end of the rope. I put what I could on credit cards and my daughter loaned me $600.00 until we close. Our new monthly bills will be around $1200.00. That will be a lot easier to pay. I am determined not to get into the credit card mess again. If we don’t have the cash to pay for it, we don’t need it. I am praying that my husband will find a full-time job.