Oh, and just wanted to let you all know that I'm in the same boat =( Also, unfortunately, I've been living off my credit cards through most of college, as well as during my low paying Aerial Photography job, and now as a first year FO. I cannot wait for June to roll around for second year pay... I just hope my credit cards don't hit their limit before June =)
Best of luck to us all. I will make sure to open savings accounts for my kids when they're born, so they don't have to go through this stress and crap. I think I'm starting to gray prematurely.