[36Rock]

Yep, all but $1000.00 is from our son. We co-signed for a car, he was re-ended by a truck (which was stolen) guys got out and ran. Truck had no insurance, then.... we found out he hadn't been paying his insurance either. So car was totaled, he couldn't offord to pay the note and we didn't want our credit ruined. So we fixed the honda (rear clip) and then sold it for $4000. Put that on the note and rolled the rest over to the cards for lower interest.

We have been married for 22 years, never had this kind of debt ever. We pay cash, the only reason $1000.00 is ours at the moment is because we used the credit card for a rent car, airline tickets to CA to help mother in-law move to a retirement home (had to go). Shipped family items homes etc. We always paid our cards off within a month or two.

We make $62,000 a year between the two of us, I make an addition 5000 with 2 extra jobs. Both putting 15% into our 401K's. I don't want to roll over any debt onto my house, that is why I'm having such a hard time making a desision, but working all the time is killing me. That would give me my life back.

Believe me this is killing me, I just don't think I can work like this another 4 years. If we refinance it would mean paying an extra 140 per month visus the $500 I pay now. Plus my son pays $100 so that would be $40 to us. Since I pay extra on my mortage anyway this actually means zero to us. Big pay off would be that I can quit my 2 extra jobs.

Also I just hate been so strap financial because of something we didn't do.

Thanks for letting rant about this.....