I've been thinking how wonderful it would be to get out of debt. WOW! It takes alot of disipline to do this. When friends or family go out to eat or go on a shopping spree, your on a budget so you can't do this just any time you want unless you have it figured into your budget. As the one guy says, you have to live like nobody else, so you can LIVE like nobody else! That would be great! How long would it take you to get out of debt? Would you have to get another job to help pay things off quickly? Do you spend money just because you think you have the extra cash and maybe you don't have a emergency fund? I think it would be great if when you start to get married, that it would be required to go to a finacial class of some sort. To show how having good credit is a good thing. Don't ruin your credit because if you do you'd have to pay high interest rates and possiblely not even be able to get a loan of any sort. Good luck to you reader, keep your nose clean with money and get out of debt! .... Marlene