I hadn’t carried a balance on a credit card for many years until my daughters started driving. We pulled money from a fund to buy their cars but one needed some expensive repairs after a few years and as you know, teenagers are expensive anyway. I’ve got one finished with college and one leaving for college in a few days. Four more years of poverty. When the youngest finishes, I’m going to start putting as much as I can on my mortgage to get the house paid off. As it stands now, I’ve got 8-9 years left making regular payments.