Catty-

Thank you for your suggestions.

I'm looking into getting that loan out of my retirement funds but sadly I don't think that will cover our vets bills and right now I owe them about 800.00

I usually pay them off at the end of the year but it doesn't look like that will happen.

I will try to pay them as much as I can and do monthly payments but we have to pay for our health insurance and right now we are looking at a lot of expenses just for this month and next month but we will make it, it will be very hard and x-mas may not come this year but it's just one year.

Thanks,
Melissa