We went through our bankruptcy 10-11 years ago and am terribly paranoid about getting in that spot. We have a house now so we have everything to lose.

I hear stories from friends in financial situations worse than mine talking about this new toy or trip they have taken and just kow they are digging themselves into a hole.

Whatever credit cards we have have to be paid off monthly, neither of us want to get in that situation again and oh, how easy it is to say - tis just a little bit on the credit card. That little bit mounts up.

Yes, I know that in order to rent a car or pay for something, it is necessary to have a car and I really wish I didn't have to use it for that.