We have too much, but some of it I consider a home equity loan sort of even though it's a credit card.

We have a Discover Card with 0% intrest for LIFE on balance transfers, so we charged on purpose for home improvements which normally would have been cash, granite counters and central air. $18,000

So we do have debt, but it went to big home improvements, not 1556 trips to the mall.


Anyone with debt should look into their no intrest for life credit card, the money you pay on it every month goes RIGHT to the balance, so you see the dent in it right away. I can pass along the details if anyone is interested you can call DIscover and see if you can get one?

So other than that debt we have about $4000. Not good, but managable.


I voted under $30,000, it still is a credit card.

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