Lets turn this into something positive.
This is for anyone who is discovering that they NEED to do some heavy duty debt reduction.
http://www.oprah.com/money/debtdiet/...eps_main.jhtml
It's not easy, but once you get into it, it becomes adictive. Econfomuizing doesn't have to be horrible. Make a game of it, challenge each other.
Remember ever penny counts.
The old saying is, "watch your pennies and the dollars will take care of themselves"
Have fun with it and reward yourself for your accomplishments.