[Joe Wicked]

I never got his books, but I have come to that conclusion on my own. The only credit card I carry is my corporate card from work. They expect me to go out and buy things when needed and they will reimburse me. I did not shred them, but they are locked in my fire safe. I will only use them if there is an emergency that I do not have the cash to cover. Once I get them paid off, any and all "store" cards are being canceled and I am going down to 1 credit card for emergencies only. As far as the Cobra goes, I will be opening a high interest direct savings account. I will be making a "Cobra" payment into that account each month. After that, the payment will continue, and it will be the fund to do upgrades to the Cobra, home improvement projects, future car purchases, and whatever else that we want to do that is not an essential item.

I am also not buying any more new cars. I am looking for low mileage used cars when I need one.