I'm glad that I learned a while back what credit card debt will do to the budget. Now the only debt is the mortgage, everything else is paid off, and even tho I have credit cards, everything is on a cash basis. No carrying a balance on them. I'm also throwing any extra $$ towards the principal knowing that every $ more counts down the road.

I've got a buddy that's single. His philosophy is that whoever dies with the most toys wins, and he can't make ends meet if he doesn't work OT. I can't believe he has that mindset because he's got a Master Degree in Finance.

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3/4 to 1 1/4 ac pond LMB, SMB, PS, BG, RES, CC, YP, Bardello BG, (RBT & Blue Tilapia - seasonal).