Knee Deep

I've done it again, I've gotten myself into a really bad financial position right before Christmas. I have no idea how I end up doing this every year, but it never seems to fail. I know this time was due to all my traveling during the earlier part of the year and every year the reason seems to change. This time I'm thinking about using one of those debt collection agencies because I always have a heck of a time trying to keep up with things, plus it will probably save me money having someone negotiate payments for me rather than trying only to not be able to afford it and get another fee. I hope I can get out of this mess soon, having it hang over your head is really a downer.