This is my first time ever Blogging, I am hoping that it will help me pull in my spending habits.  I have a problem of being a sale shopper and an impulse buyer.  But this past January I decided that I am tired of paying credit cards and am trying to pay down as much as I can, together we have 4 kids, two live with us full time, one is in college and one is here for 3 months out of the year.  As of the begining of the year both my husband and I were $118,558.50 in debt, this is all debt including the $53,694.48 mortgage and two automobiles $18,469.23 and $9,955.57, "stupid" times