I will tell you all this. Three years ago I was living so far above my means that I was getting loans to pay off loans. Credit cards were being used for everything, food, clothes, bills. I got the PM from Big Al and the CD. Well long story short. I made some BIG choices. I cut up the cards. I shut down my reef tanks. I stared only buying what we had to have to live. I put every penny I could spare towards the bills. Now I am sitting with only 2 loans left. My house that will be paid off in 5 years and my car that will be paid for in about the same time. I have found that I have a LOT more money than I ever thought I did. It was not the easiest to do, but a choice that I will NEVER regret.
Now I have a nano tank cycling through, new found like of my job, less stress, and over all better quality of life. I can take to kids to the water park, give them better birthdays. I can answer the phone knowing that the person on the other end is not wanting money. It is great, but you have to commit to it. Shaun