I'd rather be watching my favorite TV shows right now but, instead, I have to do some more research online about how to file for bankruptcy. I've procrastinated long enough. I never wanted things to get to this point. What I can say, through some of the reading, is that it isn't as scary or detrimental as it seems, at least. I think I've gotten over my fear of it a bit more. I realize I need to consider all of my options right now. I wasn't willing to consider it before, but now that I've become more educated I can see that it might be the best thing for me. I think I worried about how my parents and family would react to the possibility, so I didn't really say anything. After I discussed it with them, it was clear that they just wanted me to be happy. They know it was a tough transition for me to become a single mother. They knew the kind of income my ex-husband brought home. It helped tremendously, but I don't have that luxury anymore. Things might seem terrible, but I'm actually grateful. It's been a really tough road, as I said, but I feel ten times stronger than I did before. I feel more competent now, too, when it comes to financial matters. I always let my husband handle the finances and do everything where that was concerned, but now I can do it for myself.