To say June was a tough month for us financially is a huge understatement. I won't go into details, but suffice it to say, I found myself getting very creative with how to pay bills and continue to eat and get my meds. Oh, and pay for daycare so I could go to work.

Along the way, because we were living at the bottom of a pit, our life insurance policies lapsed. Naturally, the company sent us a letter, but I was avoiding all envelopes that I didn't believe had money in them. So I overlooked the notice. Furthermore, our insurance agent couldn't get to us until October to fix the problem. So we didn't know until about a month ago that we had been living without life insurance for several months. (READ MORE)