I woke this morning feeling stressed and full of anxiety. Payday is,near and all of my bills will be paid and my living expenses. It leaves very little to offer the creditor whom I thought was on my debt consolidation. I will call them next week and offer what I have as a first payment. Nothing else I can do. I need to learn how to channel my anxiety and worries. I’m doing my best. The worse that can happen is a judgement against me and either a lien or wage garnishment. I can do only what I can do. But I must remember what got to this point- GAMBLING! And never make this mistake again. No news on my state tax refund. It would come into good use right now. The rest of my day will be spent enjoying my family. Have a great gamble free weekend everyone.