interest

i have been paying too much in it.

i have finally broken down and contacted ‘take charge’ because the situation required it.

so now i basically will have no credit cards whatsoever and will save a ton of money in interest.

subscriptions to be cancelled, etc. we can see what i ‘need’ and what is only just so nice to get but not needed.

would be nice to win the lottery so i can do some more writing.