I actually only have 3 active cards, and I keep those because I keep getting hit with unexpected expenses. Car repairs (either my husband's or my own car), and as a new house owner, I've gotten caught out a few times with things like the water bill, repairs, heat in winter, etc. It's the ocaisional purchases that add up, but a good chunk of my debt came from when my husband was out of work on disability, then I was for a while on disability, then he was out of work period for half a year, and I was out of work for a few months as well.

The house is a multi-family, and the rents cover the mortgage, but I still haven't been able to put aside enough savings to be able to count on them covering what may come up. Anything I can put off I am, I can't put off work that's necessary for the tenant apartments.

Current projects for myself:
Pull a budget together, - started using Quicken towards these ends.
Put together a projected list of annual costs.
Figure out how much we can save as a household and begin regular deposits.