I'm guessing that you are making a joke because I am none of the above. I work for myself therefore my monthly income fluctuates greatly depending on my contracts at hand and how fast I'm paid. Some months are lean and some are flush and I still have all the monthly bills and insurance coming due. Financial survival demands that I exercise the fiscal restraint that many folks aren't capable of. No credit card or fixed debt. Sometimes there are unexpected expenses so I take care of them first before indulging in personal pleasure. Then I build my war chest back up. Its not a lot of fun sometimes, having to exercise self control, but in return I have a lot of personal freedom and thats something I cherish.BigJon said:I know what you mean about getting the debts paid off! Building is definitely not for the faint of heart OR the cheap of wallet!