Hi and welcome to the forum. Everything can be rectified and it was a good intro. A similar story to a lot of people as in bike - wife - child - bike etc and everything being financially squeezed. There are a lot of good helpful people on here - I won't talk about the other ones. A few of us, me included, get a bit arsey with what looks like a quick demand for an answer. This can often be a frustration that, even with the power of the tinterweb, not everything is easy to find and this leads to a desperate and frustrated first post. Anyway, welcome again.