I did commit that I will write everything that involves our children. I don't know why and how things got this bad, but I have reassured myself over and over again that we have not been careless with our finances and Jay has been doing his best to provide for our family. Things are just tough, it...

Last year, we entered a contest that involved sending a picture of our child and an essay about how he stands out in his multiple intelligence and the importance of education. Early this year, we were informed that we have won and received an I-Excel college education plan from Insular Life. In...