Today, cold

Today, Wes and I sit and talk, round and round, about the bills I cannot pay, and the things he wants to do to fix up the house, and I think about all the things I should do, all the reasons I should put money into savings, all the ways to find a job, and all the ways I won't find a job, right now. And I wonder what happens next. I wish my former roommate would refinance the car that he is buying from me. I wish he had not stopped paying me $200 a month and gone to $160.

I have several choices. I can try to keep going like I am, making payments sometimes and missing them other times, and be in the rat race forever, unless I get a really great job or find some other way to get ahead. I can work out some sort of debt consolidation, which would suck, because the payments would be almost as high and go on for years and my credit would suck for however long. I could declare bankruptcy and start building new credit right away. I could take a debt settlement and my credit would be in the toilet for only a few years.... Ugh.

And suddenly it's fall and the HVAC guy comes to find out that is was his mistake that made the heater not work. So there's heat. yay.