Whew –you really stepped into it! I think your Dad might be tough on you because he doesn’t believe you have learned your lesson about self-discipline when it comes to money. This should do it though! OK, I’m going to give you a sneak peek at the next column I will post. It’s about getting out of credit card debt, but not falling into the hands of unscrupulous debt consolidation agencies that typically destroy your credit for a long time! So take a deep breath and check back at TerrySavage.com for that column.