Whenever anyone embarks on anything new, especially something that is a rather big change, there always seems to be a test of their commitment to the new direction they have chosen. The tests this author is enduring are $6300 in tax debts and a $1000 dental emergency. She broke a tooth. The author is also going through a Chapter 7 bankruptcy. She lists several ways she is now and will be paying for all these unexpected costs that popped up in one day.

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