I can't get the inserts to stay in the two straps. They fall out. I have tried several inserts in each and only one, and it happens either way.
I hate to think I spent money on something I wont be able to...
The bead thing sounds hard. Where I live I would have to go to a specialty shop to get a bead, unless I went to a big box store and paid more for a package of beads. I think that sounds like more trouble than a regular gift.
Something similar happened to me once. I was at the doctor's office because I had injured my knee. I got out of the car, walked in (limped, actually) and when I came out, a man was beside my car saying that I slammed my car...
I am joining.
Pre-Step 1: Get current on your debts and do a budget
0.1 No new borrowing.
0.2 Talk with spouse and get him/her on the same page as you concerning finances. N/A for me.
0.3 Do a written budget