It is only the beginning of January and already his check is almost gone. It is amazing to me how fast his paycheck can disapear. I am well aware however that a thousand of it is going to credit card bills. I need to pare them down fast. My goal is to pay off all but the Am Ex right away and then sock money onto it but not use it for the rest of the year. I will be putting the tax refund on it as well. It will probably take me till April to pay off the other. There really is only one that carries a balance but there is another that I use when I buy online. I am going to stop using it too. Now if I can keep DH from buying anything!