"You have a good plan. The only thing I would change is the order in which you pay off the cards. Paying off the highest rate card first makes the most financial sense. But you are wearing down. You need some emotional wins. Pay off the card with the lowest balance first. Macy will be gone before you know it. US Air not long after that. Then Citi, Apple, Amex and Student. You will feel better knocking down the number of creditors you have, and you will see the smaller balances get reduced quickly. That will give you some motivation. And when you pay one off you will increase the amount you can throw at the next one."


I like this idea. I do believe this is the route I will take unless/until something else comes along. Many thanks for the common wisdom and factoring empotions into the equation.