My wife and I are have lived in our home for a little over 6 years, we were young owners, and have found ourselves overwhelmed with bills and the mortgage is the largest bill. We have two children and we’ve had to scale down on things such as, extracurricular activities, shopping, and traveling due to not being able to save. As we enter our thirties, we’re trying to regroup and figure out how to move forward without continuously living pay check to pay check. We pray we get help from you all because it will definitely help us catch up on some of our other bills and give us a little stress relief. Happy holidays and thank you for this great opportunity.