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

hare $8147.92, and lots of credit card debt a total of $35,891.23.  So I charted everything in a spreadsheet from what it was, the balance, and interest rate, followed by regular payments, charges, extra payments, plus interest, the amount that was applied to the princible and then of course the new balance.  This is then carried over to the next month and so on.  I am using the debt snowball method(kindof) to pay off my bills and according to my chart, by paying approximatly $2,100.00 a month we should be out of debt by sept 2013, this is including everything even the mortgage.  My husband gets tired of me talking about my "chart", I must say it has been sort of an obsession for me.  So this is us starting out in January of 2008.  Even though we got married over three years ago, my husband still likes us to keep our finances seperate so he gives me $650.00 bi-weekly from his pay check and he keeps the rest.  I finally talked him into getting a checking account to put in his extra money instead of carrying it in his wallet because he kept forgeting where he spent everything, this was started in February  I make roughly $260-$290 a week and right now all that money goes towards "my bills".  Please let me know if you have any other suggestions