Once that hurtle was passed we became care free and it now shows. We bought new items for the house, we did renovations to the house, we bought a new car. I am the biggest proponent of coupons and deals and never paying full price, but I guess it doesn't mean that much if you are still spending more than you should. A year and a half later we are here at this post, in too much debt for my taste. We still pay our bills on time, participate in TSP and a mutual fund, but now is the time to turn this debt train around. I know how easy it is to get in this situation, obviously. Now it is time for the hard work. Bring it on.