How easy is it to get in over your head?  Believe me it’s real easy.  You think you have everything under control. Paying the bills is easy to pay, your credit is good and you really have no problem getting new credit to buy what you want. You are feeling really good about life.  You only have a couple of credit cards now, and obtaining additional cards won’t hurt you because you know how to manage your money.  Before you know it you have 10 to 12 credit cards all maxed.  The only thing you can do is say a few colorful metaphors, very loud.   The sure way prevent the colorful metaphors, very loud episode is to make sure it doesn’t happen.  I read this story about a couple that paid off over $82,000 in debt in 4 years.  It’s a real eye opener.  Read it here.