Finally, after years of not being able to manage our debts due to recession, we are finally getting there. We found a job that somehow sustains us. It’s hard to be a slave of credit cards but if you have kids and you can’t work & only the husband works bec. you need to take care of your toddlers, you really have to make ends meet & sometimes you resort to using credit cards. This year, hopefully we’d be able to bump up our credit score. We used to have perfect credit but bec. of some key derogatories on my accounts, it would be hard to get a good credit score for me. I wasn’t the one who used my cards but my husband, when gas prices were still high and we have an SUV & he had to keep going to our clients but then later, our clients had a hard time paying us too due to recession. We’re blessed to have been able to still find a job in this recession economy and just making our business part time for now. I am a fulltime mother to my 2 toddlers and no matter what they say, it’s hard to juggle career and motherhood. Something will be left behind and I chose to be a mother bec. my kids will only be young once. We’re having a new family member this fall so we’re excited about that too but we dunno yet if it’s a girl or a boy. That would be our last since I am on C-section and 3 kids is the max. I thank God for blessing us with this life and if all else fails here in the US for us, our option is to move to Canada.