I would never recommend making heavy use of credit if you're coming up lean at the end of every month. But we do have enough that we could pay off last month's credit card bill and pay for this month's spending.

Let's get straight to it.

Friends helping friends.

Logan: IMPULSE PAY OFF.

First you have to have this revelation: Spending money now to save money later does not make sense. It's illogical. Points systems make you think that spending extra on your credit card, right now, is a responsible thing to do. It isn't. It took me six years to figure out why.

It's time to check in on our debt payments and savings goals again.

It's the end of February 2013 and it's time to check in on how we're doing with our debt and savings.

Does anyone have a good "I tried to get out of debt but it was hard and took me a long time" story?

Mike: One of the things we examined this week was what debt means to us as individuals. What should we think about when paying it off? There is no one right answer, of course, because debt means something different to each of us. So let's talk about this. Logan, your debt is all consumer, right? You don't have any student loans.