It's not as bad as I make it sound Alpha, right now is the perfect time to buy.
I paid $440,000.00 for my home 5 years ago (top of the market) and now it's worth $220,000, but I'm still paying $2400 a month, if you buy now you'd pay $220,000 and only like $1100 a month, at least in San Diego (the good neighborhoods 
)
And my 15K in credit card debt isn't helping any either 90% of my paycheck goes to BILLS, if I get lucky I have some play money, but I finally learned my lesson. I closed half of my credit cards, and the other half are useless to me since they are lines of credit that only work on what was already purchased so I cant close them. Which is good because if you have tons of debt and close the accounts, thats bad on your credit rating, but if the accounts are still open and up to date, you wont damage your rating.
Boy do I go on and on. 
I think buy February I will have 2 of the lower ones paid off so I can pay the larger accounts.
