By January I'll be back to work as a teacher... but that would involve me putting my newborn in a daycare... with an additional $560/mo expense that Grey and I cannot afford... and if I do not go back to work, we can't pay our bills...

banging my head against figures between debt management, debt settlement, and (heavens forbid) bankruptcy.... I don't know how I will be able to make all that extra finances up, especially since I'm no where close to popufur... let alone dunno if Grey and I will survive till March when we can "possibly" get help with the daycare.