This coming year will be one of many changes. Some good some bad as with all years, but I vow to make the most of all the blessings I am given, and to learn the most from all my mistakes. I will not let anyone define my worth with useless numbers nor with my material possessions or lack there of. I vow to make this a great year and to live the best I possibly can and to be grateful for all I have and don't have.

The next couple of week will be filled with stress as the date of our first missed house payment becomes a reality. I know that in the long run this is the best possible choice I can make for my family. I long to move and know that would not be a reality if we are stuck here with a home that yet again has dropped more in value, now to the tune of 85,000 under water. I can't wait to get to where ever we end up and to be able to start to rebuild my life and put this nightmare behind me. I am scared, very scared to miss this payment though I will not lie I just have never not paid a bill. I know this is going to be extremely stressful, but I also know that watching the homes in my neighborhood go into foreclosure and thus further drop my value further and further would be far more stressful to endure. I really could care less if I rent forever. Home ownership  has not been the American Dream that it is touted to be. This has been a nightmare and I cannot wait to awake from it. 

I wish all my readers a happy, healthy, and prosperous New Year. Remember we always have a choice in life and even doing nothing is a choice. We only have one life to live so make it the best you can no matter what!