Hi nfid,Ditto what you've already been told here... especially the welcome. From the looks of your numbers AND your ABCs (what my niece calls anything other than numbers) you're in the right place. Also, based on my own experience, now might be a very good time to browse back through this board a couple of years. I know you said you've been reading the board for while... but probably not as far back as all the good stuff. AND it looks a lot different once you've made the commitment to yourself to CUT IT OUT (or up, or both).*Keep coming back* -- just as important as stopping the debt build. BklynBorn
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