Hi Steffi-

Always great to see your smiling faceimage. That girl that I work with and her husband both have no idea how to manage money. And when I tell her to stop going to the coffee shop she laughs. When she told me how many times they go in one day times five days a week, times four weeks in a month, I said well no wonder you don't have any money that is $400 per month. Of course, those people love to see you, you pay their rent.

My Dh and I are the same way. We don't charge. If we have no choice because, we are ordering over the phone. Then we don't charge anything that we can't pay for when the bill is received. Of course, I realize that every ones life is different.

I remember year's ago, when you could deduct the interest you paid on your charge cards. There was a woman I worked with that did her taxes. And she said she had $5,000 in interest to deduct. And I said, man what size house do you live in? She said, oh no that was just the interest she paid on her charge cards for ONE YEAR!! That didn't include the interest on her mortgage! That made me ill because, think about how long it takes to make $5,000, and then to just give it away.....!

I will check back later,
Karrie