We ran into a big financial mess, and have not paid January mortgage. We are going to pay that one this week, and be able to pay February's mortgage on time. I've NEVER been late or behind on the mortgage-- but this month has been crazy with the NSF fees, and our funds being all messed up with no employment. My soon to be ex is supposed to be paying part of the bills, and has not worked since October. he is now 3 states away from me. My new boyfriend is working hard to pay the bills, but he just started there and we had to waite a bit for his intial check.