$65K in debt, how can you sleep with that much debt on your shoulders..... Ouch
Personally I rarely carry cash. I charge about everything, but with that in mind I have cash in the bank to pay off my cards in full every month......
Actually I am a little obsesed with keeping my cards paid off in full such that once a week I pay the balance off on-line. A little over the top, but it works for me.
About 10 years ago I had $10K in CC debt, but I realized what a waste it was and paid everything down within 6 months. I basically went on a spending diet and have realized that I have much less stress and am much happier now that I have no debt.
Just figure, if you have $10K in debt you can be paying $150 or more per month in interest. That is a good chunk of cash over a year.
I have two reasons that I charge rather than pay with cash are for the airline miles and to track spending. The airline miles usually pays for a couple of free flight a year.
But there again, I don't spend unless I know I have cash in the bank to buy something. I also take my spending much more seriously and question just about every purchase.
Another thing that I watch very carefully is my credit score. I have worked very hard to build my credit rating, I don't want to mess that up. I use www.myfico.com to keep track of my rating and also alert me is new trade line (Credit Lines) are opened in my name.
Another good resource for credit help is www.clarkhoward.com. Clark pretty much tells it as it is.
My only word of advise is get your credit under control and you will be much happier......