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A clarification:
wrt the credit cards--I do feel they were used in the situation when they were most needed, and mostly in a responsible way. But my reference to "melting" them was an allusion to the affect on the poor little plastic rectangle from *heavy use*. Industrial freakin use, and it was not an industrial grade tool.
I'm in the position now of having lived on credit for, say, three months. My new income isn't twice my previous level consumption, and I will have to live well below my means to retire the debt. That's the only way, of course, and I know that, and I'm really ready to do it. Looking forward to it. But I can't retire it at the rate I accumulated it, probably not at half the rate. :frown: But. I have a well established habit of paying down debt. It has been steadily diminishing since...dunno, maybe ten years. The unemployment caused the total debt level to increase, and there have been some high dollar expenses that increased the level as well (college for two, a new roof), but the number will go away.
Possibly tmi--as much as a I hate the debt load, I will not sacrifice our savings to accelerate the debt retirement. I have to save for retirement too, and there are no loans for living expenses when you're 80.
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Be Just and Fear Not.
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