[mcmama]

Recently the news media cited a report that many of us are using credit cards for our basic needs - groceries, gas, etc. This can sure lead to a real pile up of debt if you don't pay it off quickly, or if you have an emergency.

What have you done to reduce or eliminate credit card debt that you have? Did you do balance transfers? Did you cash out savings to pay it off? Did you take a home equity line? And if you did those things, did you find that you were in debt again within another year or two?

We're not talking about fancy vacations, swimmin' pools, movie stars....We're talking the blowout at Sams club, filling up the tank, or paying a bill.