Oops! Matt's in the hole.

About a year ago I got together with a non-profit credit counseling agency to negotiate lower interest rates but freeze the credit cards. Those payments add up to be the cost of my 1 bedroom apartment, so it's become very hard to get by on one income while my wife is in school full time. This year she plans to lower her school hours and take a part-time job (which doesn't start until mid-April). It's a little embarrassing but I'm trying to make the best of a bad situation. Anything helps, and I promise to pay it forward someday.

Thank you!

P.S - the comical picture is from a New Year's night out where my wife and "find-my-iphone" thought her phone was in the sewer drain.