As a newly married person, I wanted only the best for my household. So when we started getting our new life decorated with things that every household requires, we splashed the cash generously. This was over and above the lavish wedding that we had spent for earlier on. Most of it was our own money, but to make sure that we get to relax in our comfy living room couch, enjoying movies in our widescreen Plasma TV, we had to go for a loan or two. Soon a portion of our income was being irritatingly eaten off by these EMIs. We were soon struggling to put our finances back in order. I realised that getting rid of these required strategic planning. The ones with the highest interest rates and painfully high EMIs were the ones that we targeted, to begin with. We switched the lender for our house loan which saved us a few thousands every month due to a reduced rate of interest. And as we managed to get some of the expensive credit card debts and personal loans of our books, our financial position looked rosy again!