toyota credit questions

[TinyGiant]

i'll think it over.. even if we get through the summer months on the car the winter months might still be shaky if we keep the car.. but by then maybe my screen printing biz will blossom :)

i hate being a charity case.. i understand that .. but i dont want to be prideful either.. arrogance and pride doesnt get anyone anywhere.

the church offered to help out and did .. when we get back on our feet I plan to help out someone who is in a simular situation..

the church also just happened to need a landscaper to do the lawn 2 times a month at $100 a mow :) so they offered that to me and i took it without a second guess..
so really that is half of the car payment/ins right there :)

its surely nice to see a light at the end of the tunnel.. i cant wait to be on track with the mortgage this month and apply for the obama make homes affordable plan.. i think that probably will drop our interest rate to next to nothing and drop the complete payment almost in half. which would be amazing and enable us to start wacking down the CC stuff we have built up.

lol we were 100% debt free 4 years ago when we got married. I hope to be there again soon :)

thanks again for all the advice and encouragement guys.. lol thinking today about losing the car made me prematurely miss the forum :)

ill keep you guys posted :)