We used to be the kind of family that had no debt (except for mortgage). If I did buy something on credit, like furniture, we would pay it off within a couple of months. I don't know what happened to us over the last few years, but our debt is just insane now. I feel it is all of a sudden out of control, so I'm getting into the "snowball effect" method of debt reduction. I figured it out yesterday, and it will take 4 years to get completely out of debt (except for mortgage). I will not reduce our small savings (lol), but I'll reduce our retirement savings for the 4 years down to 4% (company will match). I'm still trying to figure out if we can get any Disney trips in...lol...I know that should be the first thing we cut out!! 4 years just seems soooo long from now. I don't think our cars will last that long, they're 2000 & 2002. Just wondering if anyone else got themselves into such a huge debt like us, and it's going to take YEARS to get out?