It looks like the economy has changed and gas and food prices are going through the roof. If you are like the rest of us you can feel the pinch of rising cost and no rising income. Like the rest of us you are using your credit cards and getting into a situation where you have more debt than you once had before. Everyone likes to go out to eat or get away for a few days on vacation and the easiest way to accomplish this is to charge it. The big problem with this approach is it puts us further in debt and makes it harder to pay the minimum required by most credit card companies.