Kudos to you, @silverd510! Very few can get out of the rut they are in. I admire the determination to take action after recognizing the problem. Many do know their financial problems, know the solution, but never take action... and so their revolving debt just increases and financial problems worsens. Yup... your example is truly inspiring! Keep doing what you are doing, my friend! Wishing you more power to your endeavors!