I don't KNOW if YOUR luxuries are excessive.

I DID read that you have had some financial setbacks, and aren't able to
save even $20 per month. I think I remember that you are using credit
cards to finance your purchases... at high credit card rates.

IF it were ME, I would choose to bypass some of these luxuries in order
not to get further behind... and be able to afford good things to
enhance my children's education and get a good start in life.

Life is about choices, Chuck, and their consequences.

Rich


Chuck wrote:

Oh... OK.... well, are my luxuries excessive? Apparently, you already had
your opinion of me and my luxuries...