So I finally found some small moment of space between debt walls, Instead of falling further and further destroying my credit, I decided to go ahead and open another Heloc. This time though, its not a balloon heloc, which means I won’t get screwed. This will reduce my overhead from nearly 700 a month to a mere 300 a month. Now the real hard part begins. Pissing off the wife and telling her ‘NO’ to financing, especially when she cannot pay into it since she will be jobless for a few months during school break. BLAHH.