007,

Thanks so much for your kind post. It was definitely helpful. I spend plenty of my waking moments hanging out on the Consumer Credit / Credit Cards board in hopes some of their debt repayment habits will rub off on me. ;-) (Perhaps you can share your expertise over there? I took the liberty of cross posting your reply.)

In all seriousness I really am working hard on getting everything in order. It's nice to see that I'm not alone, and this can be done, and all that other good mushy stuff. Most importantly, I'm glad you joined up, because we need as many Fools like you as we can get!!!

Cheers,
Smurfette

PS - Everyone is telling me to get rid of my car, but I'm upside down on my loan. Any ideas about that?