Well, Diana, we all go through it... I've been so overwhelmed by $$$ problems I've even thought about coming off the pioneer list so I can catch up on my bills. Then after praying rather in depth about it, and working my budget, I felt better. MY problem is that I want everything paid off NOW. But I'll have my AMEX paid off next month, then tackle my Master Card. It takes discipline, which I'm working on. Hang in there, little sis!