Hubby has gone to the banks to withdraw the money returned by his buddy. And then he will bank in his and my credit card debt repayments at another bank.

After that, he will go and have the car’s emergency lights replaced before he comes home.

You know, after hubby and I were placed under the debt management program, we only need to deal with three banks.

Instead of going to seven or eight banks, we now only go to three banks for our debt repayments, home mortgage and auto loan.