Procrastination will kill me, but I am not ready yet...

Doing my bills this morning, as I try to correct the yaw in my course - and I look at my annual percentage rate on one of my credit cards... yikes! I am paying that much! Take the beautiful card out, get the stainless steel scissors out and cut that bad boy into bits. Step one taken, sigh. No wonder there is a credit crisis - who could pay that much for so little -- besides me. Nevermind, the workday awaits and I have to exercise more than my checking account.