I started out the same way. Got a credit card and would buy something nice then pay it off. Well then I bought an engagement ring, then a week long honeymoon then stuff for an apartment, then bought a house, then crap for the house, then a car for her and finally a new truck for me. I consolidated all the big credit cards down to a personal loan and paid off the little ones but still 75% of my monthly income (and I make decent pay) toward all the big bills but have 22 more payments before the smallest one now will be paid off. I'm thinking of trying to pick up something else to do in the evening (I'm salary now and get off work around 3-4 each day and my wife has to work late or go to school late) since I'm sitting home kind of bored now. Anyone need any part time work in OH in IT or electronics?