The Bottom?

Well, I am now putting myself through an informal bankruptcy and just put my family through a foreclosure. Have I learned the lessons I was supposed to learn? Who knows. What is someone supposed to learn. How does a person change behaviors and attitude about money. You think it would be easy to say, "That was stupid, let's not do that again", but somehow the cycle has continued in the past. This last cycle had a real bottom to it.

Just Do It - Seems simple enough. Yet somehow, procrastination and bad habits have continued.

I don't think I can fall further than I have.

Now I have to climb out. Is it possible? Is there a mountain that will have a beautiful view from the top, or will it just be one valley after another?