Right now you described me Ron, sad but true. No car payment but house and credit card with no money in the bank anymore. It really drives me nuts too, I never used to have credit cards until I tried to get my first house loan and found out that no credit was worse than bad credit and to me that is wrong. I was in my 30s and didn't owe anyone a single dime. The banks didn't care but seems to me to make it over 30 years with no debt should have qualified me for a loan. Even now as bad as things are I haven't missed a payment on anything.

Now it's supposed to be 86º F here today so we are going out for a ride!

I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!