Yes. It's April. We are now in the 2nd quarter of the year and many people have long stopped pursuing their "resolutions". It's no longer sexy to look at that laundry list of changes you listed December 31st 2018 and promised you would complete. But Sis, do you want to live with ANOTHER year of bad credit?? High interest credit cards, and car loans, renting with no option to buy, and that sinking feeling of knowing you are ONE major car repair, or home repair from financial d