In addition to being a fund to help me finally get the gallbladder surgery I need, this is also a bit of an experiment in peer-to-peer lending. 

I have suffered gallstones since 2000, but in the last year, my attacks have become more frequent. If you've never had a gallstone, let me assure you that giving birth to four kids was less painful. 

I have every intention of PAYING BACK donors.
My options are these:

Have surgery and ditch the bill.  - I f you know me, you know that isn't happening.
Continue to save until I can afford surgery. This will mean at least one more year, assuming no other emegency expenses.
Or, try this. 
Donors *WILL* be paid back (please add email to comments so I can reach you! ) as quickly as possible. 
If you aren't interested in being paid back, I have friends willing to donate goods and services in thanks to you.
If you cannot donate, thank you for reading and your prayers are greatly appreciated. 


~ Michelle Ray
@galtsgirl