| Well DH and I had a talk this weekend about getting serious about saving money for a house.
We have about $4000 left in debt to pay off...maybe a little less if I can talk down the biggest collector into settling for a bit more. And I got 2 settlement offers on 2 old phone bills for 1/2 what is owed today in the mail and so I need to figure that in my spreadsheet so I am thinking that we may be able to settle for about 1/2 on this last little chunk.
We already have our... | 
