Part 1: Financial Situation - Self-employed. Not (yet) making enough to cover all my bills and pay anything on my large line of credit.

Line of credit was taken out when I needed to consolidate my start-up expenses last year; one condition is that they paid out my mortgage as well. I have small investments that pay something on it every 3 months...but at this rate I won't pay it off in my lifetime.

My idea - sell my present place which will wipe out the LOC, and leave me something over.

Part 2: related to the above - achieving a predictable and liveable income. This is why I am doing the sleep test etc and consulting with my doc and a life/career coach (a professional and friend who is working pro bono!) so I can GET to the point where I need less than 11 hours sleep and am not so dragged out.


Mom, for all her undergrad and Masters' degree, cannot see the link between my lack of sleep and not being able to pay attention on the job (as well as the memory gaps). She thinks I should stay where I am for 2 - 3 years, use part of my investments to make a hole in the LOC, and wait til my income is more to where I can afford another place. (Mobile home is affordable, and I will have my OWN laundry!)

Thank God I have a couple of friends who support me, but it is hard, as Mom is the only family I have left.

She wants to come over and help me 'organize' the place. I keep saying I am not ready - and I'm not. Not ready for any negativity. I want to wait until I start the CPAP machine on the 9th and hopefully gain some energy to deal with her and everything else.

I am venting, sort of...if anyone here can look at my financial plan and give me feedback, please PM me as I don't want to lay out details here.

Thanks.