Current financial situation: Back to putting incidentals on plastic, after taking a home equity loan to redecorate.
Largest amount of debt: $24,000 after the premature death of her husband.
Road to recovery: a graduate of Dave Ramsey’s Financial Peace University, she for a time operated only on cash.
Words of wisdom: "If I had it to do over, I would have saved up for redecorating and done a little at a time."
One-hundred percent disabled by post traumatic stress syndrome, Vietnam veteran Mike Payne had been receiving Veterans Administration benefits for only a few months when he passed away in early 2000 from PTSD-related heart problems.