My husband and I make pretty good money, although my salary will triple in about a year when I finish college but anyway, in the past we've paid of our credit cards, then got new ones and ran those right back up, then paid off again, cycle, cycle, cycle and I'm getting tired of "wasting" money this way! I wanted to read a book before my income tripled to help us stay OUT of debt and AWAY from credit cards, we just don't know how!