Don't pass over my second post on the age gap below, but I want to make sure this gets out there too, with thanks to "The Jewish Worker."
Wow! If this letter isn't eye opening, I don't know what will be. The idea of having this many bills to pay is simply mind boggling. I can only imagine the consumption of time. I manage clients with too much going on and this is far and beyond. This is simply ridiculous! A principal of good financial management is to keep things simple. We've opened up far too many accounts over the years and are trying to consolidate and par down where wise. Read these excerpts from this Mishapacha letter [emphasis mine]:
...When I began marrying off children, I saw no way over the fence except to take out gemach loans. ...I knew that the only way I could keep going was to continue to juggle loans. I"ve married off five children and have another six to go. I"m currently juggling about 45 gemachim. My days and nights are consumed with payback schedules deadlines and possibilities for other loan sources. For me it's to late to get out of the web. But it's not too late for others to not get sucked in.
Juggled to Death Jerusalem