Dana, I like the first one best.

I agree that Teppy is awesome for all of the reasons listed above.

My crutches are in my mother's car, which is in another state. There goes any plans I had for the weekend that don't include just sitting on the couch.

So I have to share a piece of good news since you have all been so supportive through the last 14 months of money and loan woes. ND and I found a Florida based mortgage broker to work with us to refinance the condo, and we have finally been cleared to close. In a couple of weeks, for the first time in my life, we will be (aside from cars and this new mortgage) debt-free and even have a savings account. I...can't quite conceive of this as a reality at the moment. The crippling credit card and tax debt we've struggled with over the past eight years has been a constant, heavy weight and stress, and I feel like we will finally be able to breathe. Sure, the debt has just been transformed, not erased, but now at a reasonable interest rate with a manageable monthly payment. It feels like a miracle.

That's great, Pix! Congratulations!

Pix, that's wonderful news! I'm so happy for you two.

I've been afraid to say anything this last month because we got screwed over so many times last year by Bank of America, and I almost hesitate to say anything now since we haven't signed the final paperwork and gotten the pay out yet, but no BoA involvement this time, and I really think we are good. It's all down to the lawyer and a couple of signatures now. So thank you! You will probably not hear from me about it again until it's a done deal, though--I'm afraid to jinx it.

Oh Pix. You must be feeling like an enormous weight has been lifted. Wow.

That is just awesome to hear.

Sure, the debt has just been transformed, not erased, but now at a reasonable interest rate with a manageable monthly payment. It feels like a miracle.

Oh gosh, fingers so crossed for you!

Pix, that's wonderful.

Pix, I'm so thrilled to hear the good news! What a huge relief that must be.