America has an addiction to spending. CNN has recently reported that the "average American household" accrues almost "$10,700 in credit-card debt". With the exorbitant interest rates (average 16.75%) on credit cards and median minimum payment of about $260, your household will spend 29 years paying it all off, and more than $14,600+ interest for a total of $25,300. If you are interested in calcu…