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The Donut Hole

I feel like I'm in this donut hole where things aren't so bad for us that I can take advantage of any of the government programs for debt relief and things aren't so good that I can take advantage of refinancing and reducing our debt. At the same time we have a ton of things that need to get done, but can't because we don't have the money to do them.

Where's my positive mental attitude when I need it.