We all, managed to get the credit cards down to "only" 3 with balances. The balances are scarey with one being almost to the limit. Another is over the limit but I didn't do that. Ah well I'll be the one paying it anyway. I am trying to stay within our means but it took a hit when the car died and we had to get a "new" one. We had to put the down payment on the card. The car company had us over a barrel and I'm still not sure we made the right decision We owed too much on the old one to have a lot of bargaining room. Now our payment is higher than the house payment, something I said I'd never do. Sigh. Still paying more than I have to on two of the cards in the hopes I can get it taken care of in a reasonable amount of time.