Economic Woes...We Can't Dig Out

Well, we've fallen another month behind in the mortgage.  Income tax returns aren't going to get back to us in time, or be enough, to dig us out of the total amount that the mortgage company wants by February 6.  I am going to see if we can refinance the house with a new company (at a lower interest rate) but being this far behind, I have little hope that will happen.  I hear about people being able to refinance because of the economy but I don't know how they are doing it.  We tried with our mortgage company and they wanted too much money to refinance.  If we could afford their thousands in fees, we could afford the house payment we have!  How are people who can't afford to live right now refinancing?  I don't understand.

I've been fighting hives for the last two weeks and trying to figure out what I am allergic to that has been causing them.  Maybe it's not an allergy to some object; maybe it's hives from stress. 

Our kids don't have any idea how bad it is getting.  Our teenager's biggest problem right now is the best acne pill available, the new cheer she's making for cheerleading, and falling in cheerleading in front of the boy she likes. We don't want any of the kids to know just yet.