I just got a newer car last month, so I know about the 2 car payment thing. My payment is $180, DH's payment is $250.

We have 2 credit cards worth mentioning (the 3rd is a JCPenney card with a balance of only $50) - the first has $1420 owed on it, and the second has $5600 owed on it.

However, as soon as the $1420 card is paid off, we are going to use it to put new windows in the house. Our goal is to pay that off, and then use it for another home improvement. Last year, we got new insulation installed under our house. DH's credit card is the higher one, and his is high because of balance transfers (going from 22%APR down to 8%APR with no balance transfers has been good to us!)

I feel that our debt is not too terribly awful. It has been A LOT worse. I have learned to control myself with credit cards. I got kind of out of control with my JCPenney card when I was working there (it is easy to do when you are working for a store to get carried away with credit at said store). Luckily, we took care of that debt very quickly. The only reason I have a balance on that card is because of the coupons they have "when you use your JCPenney card", and I am doubling the payment. It should be paid off in Feb.

I am pleased to say that our Sears card has carried a $0 balance for a couple years now! We charge a little thing a couple times a year, like a pair of shoes, and pay the bill in full when it arrives, just to keep that card open.