Glad to hear it ditzy. Penniless, you will get there.
DM - thankfully the baby in our house is in the daughters room so doesn't affect me!! You'll get there as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk