To all:

This is my first blog so I have no idea how to work it exactly.

Here it is in a nutshell. I have been married for five years, wonderful wife and two terrific children.

I am a carpenter who runs his own small construction company. Two years ago I built our home and rolled all of our debt on to that loan. Scool, credit, cars etc.

Now we have a huge mortgage on a simple home and we get to pay PMI! My wife and I have a hearts desire to adopt many children but being riddled with debt have no way out.

I've read the books and done the studies and still we are not surviving. Help.