Just got back from a meeting at Clarifi with a certified credit counselor. As of now our expenses outweigh our income by over two hundred dollars. And that's only with the expenses that are pretty much set in stone and does not include all those extras that come up all the time, like when Julia needed new sneakers all of a sudden last week, or like the unexpected medical expenses we have accrued.
The counselor gave me information about about a special program that might help us refinance called H.A.R.P. that I can find at www.makinghomeaffordable.gov. So now I'm going to check it out and see if we might qualify. Fingers crossed!
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