Our debt is a Yoyo. We are trying to eliminate it but the trips East are adding to it. Still wouldn't give them up for anything. I love my kids and grandkids. Just reduced it quite a bit tho. We have two cards that we are carrying a balance on. We also have one we use online and pay off every month. The goal is to get it back to 1 that carries a balance and then drop it to zero and use it for trips only, paying it off when the bill comes.