So sorry to hear this - everything crossed for you.
I am a huge believer in fate and that things happen for a reason. As you know, life has been difficult for us over the last several years. However, no matter what life throws at us, we always manage to pick ourselves up, dust ourselves off and get on with things - whenever possible with a big laugh.
Take care of yourself, try not to jump into doing anything immediately as you can arrange some breathing space for yourself. Maybe you can take a mortgage payment break for up to 3 months? It is something we have had to do as Trev is unable to work at the moment and my wages do not cover the mortgage and the bills. We have had to make the decision not to renew Suki's insurance as because of her age, we have to pay a lot more towards her vet's bills. We are getting very good at making do and mending (as my mum used to say) and selling anything not nailed down on Ebay to stretch my wages a little.
Try and keep positive - rant and rave on COL when you need to cos it really does help to have "cyber" support. I have made some brilliant cyber friends on here (you know who you are!!!) who have truly helped when life really gets me down, but it WILL get better.
