My first blog, it feels like a diary, but one that anyone can read. Why am I writing this? I've been reading Gail vaz-oxlades blog for about 8 months and an trying to pay down my debt. Some days are easier than others, but i fall off the wagon. SO, I've decided to this and try to keep myself honest and open with my money. I'll learn as I go and tell more of my story every day. Currently my debt is about $30, 000 Not including my mortgage.