Kudos to you, Anne, on recognizing that you've got a serious problem and taking the first steps to deal with it. Cutting up your credit cards is a very important beginning. Now add up all of your debts and, if possible, commit at least 25% of your after-tax income to paying them down ASAP. Eliminate first those with the highest interest charges, not necessarily those with the highest outstanding balances. If you are having trouble meeting …showed first 75 words of 5022 total…

…showed last 75 words of 5022 total…their agents have to figure out how to make up the shortfall. Do they lower the price of the home? Do the agents pay for the difference out of their commissions? How will last-minute problems be handled? The negotiating table is an emotionally explosive place. That is why closings are generally held in private rooms with the buyers and sellers separated. 12. YOU GET THE KEYS It's all over. The home is yours. Congratulations. ------------------------------------------------------------------------ **Bibliography**