[tgavin71]

We got into debt because we didn't track our spending. Simple. I don't think we made any stupid decisions like taking $5000 holiday and putting it all on credit. It was just a little bit here a little bit there. Not enough money in the cheque account don't worry well put it on the card. We'll get more money when I go back to a sea posting (hubby was in navy at the time). Eventually our credit card was maxed out. We refinaced the car and the card into a personal loan of $25,000. $10,000 was credit card debt.

We stay focused on staying out debt by writing everything down. Also have kids means that we rarely go out so our entertainment costs have plummetted.

At the present time our only debt is our mortgage which is at $96,000 australian. No credit card debt and $4700 in our cheque account.