amazingracer, I hope you start again.

I understand what you mean about it seeming like open desert on the site. This may be an example of just one more thing that people start and don't finish. Myself included. I was doing so well when I was using the site regularly. I don't know why I stoped. ???

Good for you. I have been on baby step two this whole year and am down to one credit card, two car loans and two hospital bills; after that I will be moving to baby step 3 and 3b. It's easier the more you see it working, just like dave says.

I did a 30 day finanacial fast in October. The first couple of days were hard and took recognizing what I was doin. But after that it got easier and by the end of the month I was so Proud and very happy at the bottom line!

Just asking if this is a debit or credit card. Hope its debit, one thing I learned from someone a long time ago, don't buy stuff like gas and food on credit. You'll be paying for those eggs a month later. Just doesn't make sense.

All the best to you on working towards this goal.
A good tip is to write down everything you buy for the next 30 days. Even if just a can of soda. This will help you figure out where the "holes" in your pockets are. You can do it!