Yes, tight means almost at the limit. I haven't had this problem for a long time. I actually have gone through Financial Peace and have been telling myself it might be a good time for a refresher. I never got to fully free, but I did have the CC paid off then I have run it up again. I only have 2 cards and the newest one is that dang Disney VISA, but it has a low limit. If I can get the bigger one down to maybe half by time to book the Christmas trip I would be comfortable.
This is where being single sometimes isn't always so great. I don't have that built-in confidant or cheerleader to help get me through. It helps that other Disney-lovers can be the voice of reason.