Debt Consolidation
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Ryan looked up from his stack of bills. Sighing, he began to calculate how much the family would have left after all of their creditors were paid. It seemed like every month they were getting further and further into debt. His wooden chair creaked as he leaned back and stared at the ceiling. "Out of sight and out of mind..." he told himself. He wife Teresa entered the room and stood behind her husband. She was so proud of him. He had worked his way through college and now was working two jobs so that she could stay home and care for the two children, Laura and Samuel. Since giving birth to Samuel less than a month ago, Marla was in no hurry to rejoin the workforce anyway. She put her hands on Ryan's shoulder, leaned down, and kissed the top of his head. Turning around in his chair, Ryan held on to Teresa and pulled her on to his lap. "What was the kiss for?" asked Ryan, his face illuminated by the warm desk lamp, "Do I have to have a reason for kissing my own husband?" responded Teresa in mock disbelief. There was a reason, actually. She was proud of him. Very proud. But still, she missed him more and more lately. They used to stay up until the wee hours of the morning, snuggled close to each other under the warm blacnkets of their bed and talk for hours and hours. Now, working two jobs, it just seemed like Ryan only had time to sleep. How was she going to get her best friend back?
Later that night, long after Ryan had fallen asleep, Teresa snuck down the stairs. One by one she delicately tip-toed each stair, down to the desk where the family kept the financial records. She looked over how much they had and how much they owed. Not a pretty picture. Then she realized, they could convert their home's equity into cash and pay off some debts! That way Ryan could spend more time at home and not be so stressed about money. She would talk to him in the morning and get his thoughts...
Making her way back upstairs, Teresa climbed back in to bed. She lay next to her husband. Ryan put his arm around her and pulled her close. The happy couple held each other tightly and drifted off into slumber....


