I have been browsing the boards for almost a month now. Finally decided to become a full fledged member. This shall be my first of probably many posts. I have downloaded the snowball calculator, filled it in, and am now ready to do some serious elimination. Here are my enemies. owed/limit rate min JC Penny 899/1900 24.9% 47MBNA 4885/5500 19.9% 134BofA 418/500 17.4% 10 Direct Merchants 2764/3000 19.6% 70Fleet 1539/1600 10.9% 31Citibank #2 2133/2300 10.7% 44Citibank #1 3708/4000 8.6% 77Student Loan 1250/xxxx 4.1% 51----------------------------------------total 17596Looks like a lot, but the calculator has shown me it is manageable. Maybe even by the end of next year. Good news is that me and the gf get an xtra paycheck next month, so its bye-bye to the JCP and part of the MBNA. I have examined the budget and found about $500 a month for snowball. Progress should be quick. I am hoping as some of the balances shrink, I'll be able to get some decent BT. Wish me Luck Ima gonna need it. Willis
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