Alright already; I failed at most of this as I have confessed before to all of you. And like the Psalmist prayed in Psalm 51 I have prayed. God has been good; He has been healing the broken bones (Psalm 51:13).
So, my words affirm the command in Romans 13; AVOID DEBT. HAVE A PLAN!
Rom 13:8 Owe nothing to anyone except to love one another; NASU