Matt excellent point about credit card spending. This is going to be our Achilles heal. Our credit card spending is just beyond control. However the banks don't help. I can't tell you how many offers I receive in the mail. As a test once I applied for three credit cards and got approved for all three with very high spending limits, far higher then I could afford to pay off if I maxed them out. My question why is this allowed to take place? Again perhaps some kind of regulation needs to be put in place to control credit card advertising.
