Financial Problems: Child

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401K & Foreclosure

My husband and I are having a lot of financial struggles... since I started working first shift, and we've begun paying for childcare, we haven't been able to afford our mortgage payments. We haven't paid on it in 4 months now. We are now going into foreclosure. My husband has taken a withdrawal from his 401k so that we could avoid the foreclosure, but we got the check a few days too late. We have tried contacting the mortgage company to see if we can set up payment arrangements to pay our arrearages and get caught up on everything, but...

Job Loss

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5 Year Old Becoming VERY Defiant...

My girls, ages 5 and 6, are good kids, REALLY good kids, until recently... and I'm a tough love mom. If the girls both get in trouble for something, my 6 year old immediately says 'Sorry mom, I won't do it again' and then she'll correct the problem. The 5 year old will just STARE at me with this ATTITUDE. If I ask her 'Did you hear what I just said??' and she'll kind of shrug her shoulders with the same defiant 'I don't care' attitude. I'll say 'MADISON! What do you say?!' and she'll finally roll her eyes and mumble 'yes ma'am'... WHAT IS...