if you don't pay anything for electricity, then continue GPU mining until ASICs drop onto the network. Every bit-penny you earn is a good bit-penny. If you're making a dollar a day right now, you should make about $0.50 a day until ASICs hit. Profit is profit...
it is interesting just how many people came into bitcoin mining, happy to make 'miniscule' profits, and the more others encourage people to stick in it for a few cents per day, essentially adds to the difficulty and makes it even less profitable for everyone.
Odds are, if the op has credit card debt at a high interest rate, and spent money on his rig, that could have otherwise gone to paying off the credit card, then you need to factor in the high interest rate as part of the cost. Keeping in mind the power bill is rising, the difficulty is increasing (and therefore earnings on low hash rate machines will drop significantly when (or if) bfl's get delivered), now more then ever is the time to reconsider if mining is really for you.
If i have the chance, I would buy a dozen asic avalons. But I know for a fact, that this new hardware that is slowly being released directly means that people with $40k invested in GPU mining hardware will be put out of business, same with everyone else that was advised to go into GPU mining and be happy with "$0.50" a day.
