This isn’t a new situation at all!

We’ve been brewing and stewing about this for several years now. The only new aspect of it is the declining credit score. I didn’t see that part coming. At least not so soon. I knew from FPU that once we’d paid off all our debts and stopped using credit, eventually that score would go down. Didn’t think it would be less than a year in the process.

All I’m trying to do is lay out some kind of reasonable “this is how we could do it, if we decided to” plan. I had a plan like that right up until the whole ‘credit score is going down’ update from Monday. Just trying to come up with a new plan. Or a good revision.