No, I am still here. Thanks for all replies. I agree on a lot of what many have suggested. You know, it really is sad, I have a husband who refuses to budget, buys any and just about everything he wants, and I get really nothing much, except the three vacations to Disney in the past few years. I do guess it might be hard to believe that we have a 2000 sq. ft house with a full nice basement for his man cave paid for in full, and we do not have a car loan at all out. Yes, we do owe like 80 grand on 15 acres of land behind the house we borrowed to fininsh it two years ago, but the house and 15 acres of land are paid in full. A big chunck of my next vacation will be paid for with Disney reward dollars, irony is'nt it. (If we go) I pay that bill in full each and every month, and chase is making no money on that one. I am just collecting the reward dollars. I am very depressed not only about this, but my finiancial life with my husband too. He makes great money, and I make good money, but his needed lifestyle is making it really hard on me. I do believe though that this is going to be a blessing that I really can't see right now. He just bought himself a 4 wheeler just last night with cash, 800 bucks and there is nothing I can do about it. We are a ticking time bomb just waiting to blow, but I feel as though that time bomb really is going to have to blow in order for him to see what I have known for years. Our credit has always been great, and I mean great, but good things do come to an end.