Derek,

I didn't see this until now. But Steely has it right. It's baby steps. I got rid of all my cards, not just put them somewhere, I cut them up and threw them away. Pay a little at a time, after some time, they slowly start to fade, as does your interest, and you payments take bigger chunks out of principal.

It takes time and work, but you'll get it.

Another thing my wife and I did was make a budget for each month. When you track you spending, it's amazing what you can live without. It has been working well for us, we have more disposable income, and don't really miss the stuff we "had" to have.

Good luck.


Camp is where you make it.