Past and Future, both in envelopes.

The Breckenridge brochures arrived in today's mail, along with a notice from the US Dept. of Education ---my little cottage specs and my biggest debt in the same mail pile. This is the second time that the US Dept of Ed. has messed up my automatic loan repayments--all this time, nearly two years, I thought my monthly payments were being automatically deducted. They weren't. Now the loan is in default. And this time, it's not my fault! I actually got through to a live person at the other end of the 800 number, and this time, they promise me the arrangements will be kept. Of course, now, it's a higher payment and a black mark on my already sketchy credit rating. But at least it's a step forward. Maybe my little cottage on the coast is meant to be. Perhaps I was meant to get serious about taking care of this messy bit of finance so I can see a path to getting my little cottage mortgage. I realize that this entry seems out of the blue, there are about five or six entries I haven't written yet to describe how I got to ordering trailer home brochures...will post soon, under the category "Cabin on the Coast".