A combination of: no budget, too much ill advised spending and some very poor gambling choices have me not only at my wits end but borderline bankrupt as well.  I was a single guy who used to have money to burn, and that’s exactly what I did.  I ate out every night; drank the most expensive liquor and drove the nicest, most expensive car that they would let me lease.  Now my fiancée and I are getting ready to go look for houses and I know deep down that I don’t stand a snowball’s chance in you know where of getting approved for a mortgage.  I haven’t told her about all of this yet, so unless she’s been going through my mail than she doesn’t have the slightest idea that my credit score is lower than my I.Q.  I don’t know what she’ll be angrier about – the fact that I’ve been keeping all of this from her or the fact that we’ll be living in a refrigerator box for the first few years of marriage.  Who am I kidding, when she finds out that I’m worth less than the part time clerk at the fast food restaurant, she’ll drop me faster than a scalding hot potato.