IT's rough, we are all just a paycheck away irl from being put out on the sidewalks! I hate that you had to deal with that just to provide for your family, i have never owned a credit card, and have only had student loans, which are now paid off, but majority of Americans are living like they are better off than they truly are and that hurts the economy. Just my opinion. I hope things are better for you now tho. If they aren't keep going with steemit an I bet they will be grand!!!