And God bless my wife for all she has had to put up with in my lack of direction, common sense and fiscal responsibility. Oh, to be free from the burden of so much self imposed debt. To be free from the tyranny of worry and from being sick to death of my own financial short sightedness. It is in and of itself a form of amnesia you see. Because we spenders have brief periods in our lives where we realize what we are doing to ourselves and those we love the most, and yet we MUST buy this thing or that or we wont be able to sleep and happiness will never be ours again, and if we can buy the thing we have our eye on today and not have to pay for it until tomorrow, well, it makes the prize all the sweeter, all the faster!!! And isnt that what it really all comes down to, immediate gratification? This most American of ideals, where there is no logic strong enough, no responsibility great enough, no force on earth that can make me WANT to put it back on the shelf and wait for the day that I can truly afford my moment of pleasure! Well I have begun this one my friends and it feels like a thousand pounds are lifted off of my shoulders just to know that the mountain I have yet to climb, will at least not be growing any more while Im climbing!!!