[bav]

"Why deny yourself" is why most Americans have a net worth of about -$5000 and will never be wealthy. Paying 10-15% perpetually on maxed credit cards is not wise. He's already told us he can't even get any more credit...he's topped out. So basically he's now living without any credit at all because he's used all that he has, and he's paying outrageous interest rates for the pleasure.

Spend less, earn more, pay down the high interest cards. 95% of people whom I hear claim they're broke are not--they just choose to spend everything they earn.