First, if you are in a business that requires written communication, LEARN TO SPELL! That alone may help move you up the financial ladder. OK, now the direct answer to your question. Unless you can be assured of earning the 18 to 21% you're paying on your plastic, get rid of that high priced debt (think of it as EARNING 18-21%!) Then take a set percentage (6-10%)our of your GROSS income and have it invested directly into good mutual funds or individual stocks. If you never see it, you'll learn to live without it (hey, why do you think the governments withhold - if you had to write out a check for those taxes, you'ld scream. Withhold for YOURSELF and you'll learn to live on the remainder. Good luck!
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