No. of Recommendations: 3
We did retire the 0% expiring in April a little early at AJ's suggestion in hopes it might get us a BT offer we can use for the USAA 0% expiring in May. If not, the no-emotional-baggage-attached side of our family has offered to transfer the full USAA balance to one of their unused cards at 2.99% til Jan 09 + $75 fee (we would make the payments on their card, obviously).

I am glad you have found a solution to your biggest immediate problem, for a few months anyway. Please be sure that your family members understand that having this debt on their record may affect their credit scores, so if they have any borrowing to do, they should do it before they transfer the debt, or they may need to wait until it's off of their card.

I also sold some stock this week (it was time to sell), so we have $21,609.09 in transit (accounted for in the non-retirement investment total above). With that, we're going to retire the family loan at 5.5% and send the rest to Chase 3. I never got around to answering AJ's post last month, but the current family loan is from the emotional-baggage-attached side of the family, so we want to get rid of it asap.

Understandable - the 'sleep at night factor' stress relief that results from paying off particular debts can be even more important than the money saved.

We are not recording every purchase, but we have started eating most meals in (used to be the other way around), which has definitely helped. It's encouraging to see the number of accounts decreasing ( easier to keep track of, too). Trudge trudge trudge.

I am glad that you are making lifestyle changes to support your debt payoff. As you get farther into your trudging, and want to maximize your paydown, I would encourage you to consider tracking spending more closely.

AJ
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