Sinking into the pits is usually a slow gradual process, though often, unexpected events like a business failure, divorce etc., may instantly get us to the “Start and do not collect $200″ square.

I,too, have just realised that I have been sliding backwards. It will take some time to work my way out. But I am grateful to have had this revelation. Like Plonkee said, always better late than never.

Next thing you know you’re paying more in interest than you originally spent on the items, and you’ve got a decade or more to work yourself completely out. Assuming something ELSE doesn’t come up to thwart your plans.