So I have come to the time to start thinking about filing my taxes. I have received all my 1099C's for the credit card debt and the credit card companies did not date the 1099's the day of settlement. This affects everything because the IRS says your point of settlement is the date on the 1099c and the balance sheet has to be prepared on that date. So I had balance sheets done at the point of each settlement, but now I have a different date so I have to reconstruct my balance sheets to the new dates. I'm probably going to actually do better because the money was gone and my asset position was less making for a more insolvent position; so that is a silver lining.

The new job is going great, I only wish there were more customers. It seems that everyone is nervous about buying right now and there are some great deals out there, but if you don't know if you are going to have a job, you don't buy a house.

I have been working deligently on a credit counseling business. I'm thinking of doing this on the side to help people get back on track with their credit and to educate them on how to get out of debt. I'm not confident that I have it down yet, but I'm working on it.

My house is pretty much done and I'm looking to refinance perhaps in another month to get a better rate. It would be a good time for the DH to consolidate some of his final debts as well and get him in a better position.

I'm making plans to leave for Florida on April 16th. My sister is lending us a condo on the ocean for 10 days at no charge, she says she thinks I deserve it. Nice sister!! I can hardly wait to get out of this cold Northern weather, I spend most days in the house because it is so cold out. That is the hardest part about living in a colder climate.