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Lightbulb moment and advice needed!
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I'd like to say welcome to the boards..and congratulations on the twins..I agree with the other posters about posting your SOA...as it's surprising what can be saved on this..also your husband will probably understand about the debt so you may wish to talk to him about it...as you've suffered from depression before and looking after twins is no mean feat...you don't need the additional worry of feeling on your own...you're not on your own anyway as we are all here for you and you've took the first step0
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