I have a long history of making poor choices. Found out yesterday that I had overdrawn my checking account. Now I won't have money for house insurance. Doesn't seem to matter how hard I work I just keep sliding deeper into debt. Making stupid math errors doesn't help matters. My only hope to get my head above water is to get rid of my house and get an apartment. The problem is that I owe more than the house is worth. I could go on for page upon page but it would not change anything.