Sorry for the delay in posting. Life has been very busy as of late and any spare moment was spent binging on Netflix and Hulu. Sometimes you need a little break from things, and that is the closest thing I can get to a vacation right now. Owning a home has brought new challenges for us, and really is challenging our wallets. We will eventually get to a more comfortable position with our finances, but until then, stress is overtaking our lives (among other things).