No. of Recommendations: 3
Roy -- phenomenal progress.

Since you see the big ZERO in sight, I can recommend something to do with that extra few hundred dollars you're moving back into your budget.

We're also in the home stretch of paying down everything except mortgage and also added some fun money back in to keep from going insane. We've started to replace or upgrade the items we use every day that need replacing -- or that we'd like a nicer version of.

Some examples: our pillows were 15+ years old and had no loft in them. Our wineglasses were cheap and chipped. Our can opener was a rusted, cheap $1.29 hardware store model.

We've been slowly replacing these things with the extra fun money and it's been a great daily reminder of progress. Now I use my wonderful, ergonomic OXO can opener, and I feel rewarded for the hard work of paying down all that debt. I earned that nice can opener, and didn't go into debt to buy it. In many ways, using the money to make tangible improvements to the actions you take every day is better than spending money on an ephemeral entertainment event, like a meal out.
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