As the title states it has been a tough year for me and Im sure for many out there. 
I have had a heck of a time saving money this year and every month I have had to get a
payday loan and or borrow money from someone to make my mortgage - I do make it!
As you know finance charges is what gets ya and this is what is getting me now!  Im just looking
to get out of these charges that are slowley sinking me...$1200-$1500 is all I really need to pay off
I have a very steady job that does pay the bills once caught up - Im just behind
I can be contacted @ mush26@linuxmail.org