We're currently working on paying down about $3,000 in debt. Both of our vehicles ran into problems at the same time. I bought crap I didn't need. However, things are now settled down. I'm slowly working on repaying the kids for money borrowed from their accounts while also putting a limit on my spending. I'm currently keeping $25 from each check I get and saving for stuff I want. No more charging stuff I want but don't need. I'll be debt free by 2033! Of course, I'll be 71 at that time, but, hey, at least I'll be debt free!