I was rolling along swimmingly....reducing debt, paying the penalties. Then........
1. Thad, even with a windfall of points in a week (over 600), still was in a sour mood.
2. You refused a reasonable bump, after I showed I was making progress.
I was playing along...no problem....but between thad, you, and even stash...it got to the point where I knew I was fighting an uphill battle.
My debt is what it is....but one thing for sure...it will not be going up from this point...only down.
I got a contest to win.