#1 You are not alone. A lot of people have overwhelming financial obligations. A lot of people don't manage their money correctly and many, many people wish they had done things differently and saved better. So, do not worry, you are not alone. #2 Short-term problems to translate to long-term failure. Obstacles are in the way of everybody it's a matter of how you get past those obstacles that decides what happens in your situation so don't let small short time problems affect your long-term goals. #3 Your financial situation can change. Determine areas where you're wasting money and spending money that you don't necessarily need to be spending. Find places that you can spend...

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