financial analyst clyde anderson is here this morning.t about, you know, how people are supposed to be debt free when, you know, this horrible economy exists and, i mean, people are using their credit cards it seems like using it more and more. you don't have the cash. >> you see people using more credit cards. the key is to be responsible. tough take ownership of the debt and you have to get rid of it. it's a way of life so you have to make that change. it is necessary. >> you have tips for us, right? >> yeah. several tips for you. seeing creative things as far as what people have been doing and vishtd yully spending. for example, it's actually thinking in your mind and those things you want but then waiting 30 day before you purchase them. at the end of 30 days, re-evaluate it and see if it's something you want or need. >> is that realistic? do people hold off a full 30 days? mark it on a calendar? >> you have to have a self discipline and especially with debt. that's the problem. most people don't have that and missing that point and e