I canceled my cell phone and cable TV last month just in case.

I still have DSL, but the cost of a second phone line and an ISP account is higher than the DSL bill. I need the primary phone for when people call me about a job. I do not have call waiting on it.

I paid off my student loan years ago. It is the credit card bills that are murder, but I was able to juggle them to a lower interest card for six months at least. After that the 12.9% rate goes into effect. My goal is to pay it off in full in about three or four years. I hope anyway.