This month was a month of belt tightening, as the post-holiday bills began trickling in.  My wife is beginning to understand the depth of my resolve, as I frequently interrogate her on new charges showing up on the checking account ledger or our monthly usage credit card account.  She's a good sport about it, and deep down, appreciates the importance of what we're trying to do.  I think she especially appreciates my new miserly attitude, as more often than not, it was me bringing home that new electronic toy that I had just charged to the credit card.

The chart below shows my credit card debt starting in January, 2008, and running through October, 2008. As I've mentioned elsewhere, I invested in a real-estate rehab, which spiked my total credit card debt to $63,000 in February.  I got the house rented out in May, and since then, I've worked down the total to debt as shown in the chart below: