Wow, I learned today even more that ignorance is NOT bliss! My husband and I are determined to hunker down our debt and were calling the credit card companies today. I found out that I was getting charged 29% on the orchard card, a $936.49 balance! That is crazy to me! Apparently it was raised because I made a late payment and had no idea that I was getting charged this insane amount. They were unwilling to negotiate any kind of lower payment or minimun unless I paid $80 and wanted to charge me a $15 pay over the phone fee. I paid $40 to keep the card current and they waived the phone fee, but really, come on orchard...a phone fee??? I also contacted Target, which was much nicer (aside from the stalker calls two weeks ago, until I made a payment). They lowered the interest rate to 9.9% and cut my minimum payments in half for six months. We closed Home Depot, which only made me slightly sad since we still have lots to do on the house, but hey, how much can we do since we are trying to catch up on our mortgage anyway? We will work with CITI tomorrow to hopefully work something out. We should be getting our tax refund soon, which will help us catch up on our mortgage, but it's a bummer because we could have used this money to buy a much needed second car. This is one of the biggest and greatest lessons of our lives. It's almost hard to fathom that my spending habits reflect my mothers (not sure which is harder to digest, that I'm spending/being like my mother or have huge debt,haha) We are all going grocery shopping together tomorrow so my kiddos start understanding money, purchases, and where things come from (it will also help hubby understand how hard planning/getting them is toolol.We are holding off on the farmers market since the gas that would be used wouldn't be worth the cheap vegies and we won't be needed in the city.