31st day of 2009 01.31.09

I still haven't used a credit card this year. I am very proud of myself. My goal is to pay off as much debt as possible this year. Getting into credit card is so quick and easy but very hard to get it all paid off. I have been using my Shell card but I pay it off each month so I don't really count that as a credit card..........more of a tool. As soon as I get ahead in my checking account I will start using my debit card for gas.