You are right, the rude comments are uncalled for as all of us have 20-20 vision after the fact. I am doing the debt-snow-ball from Financial Peace University. It does work. You can make this work....
One thing I have learned in life is to never give up. My horse threw me when I was a kid and my dad made me get back on her though I was sobbing hysterically. She became the best horse I ever had. I...