As a side note, I have been working like crazy. Between my three jobs I've been putting in 65 hours a week. Sometimes I feel burned out but as long as I get enough sleep I tend to do really well.

Why am I working so hard? I have a bad debt that went to collections and they've been harassing me lately. I want to resolve this debt but without any money I can't do much. I'm hoping all this extra work will pay off and I can then pay the bad debt off and be done with it.