N
first of all its easy to agree when you say you are foolish but i don't. You have had a dizzy spell where you spent way more than you should but you are being very sane and proactive now and like it or not you will have to be very head strong and ruthless with yourself now in order to ensure you climb out of this situation and back into the black.What i was going to do was ask the credit union to take on all the loans over the longest period of time but im afraid to go near them.
Im truely foolish can some1 please advise
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