Item #74: Well, now that we're back from vacation, we're biting the bullet & tackling this one. We're going to avoid using credit cards for 6 months. The exceptions are (1) bonafide emergencies (2) travel expenses (hotels, rental cars, etc., which necessitate using them) and (3) making internet purchases. The latter 2 will basically be dealt with by paying towards the credit card for the amount to be spent, ahead of time. The point is to keep our debt from getting any larger & for us to be more conscious of using our cash, not our credit line!
Item #81: I forgot to mention that although I desperately wanted to bring back the soaps, lotions, shampoos, and conditioners that had piled up on our bathroom vanity in our hotel room at Disney, I did leave them behind. It was hard, though! The only thing that kept me from doing it was remembering that this is one of our challenges. We need less of the stuff, not more!