No. of Recommendations: 1
We have sworn off credit...having that extra $1500 in an account that is readily available sounds like the best idea. Then, we do not need the other card for emergencies.

We plan to pay one half of the loan payment every other week. We currently do this with our mortgage and it actually creates one extra payent per year...paying off our mortgage sooner. So, the same will apply for the extra payment per year.

Thanks for the advice. With one child and another on the way, getting out of debt (and staying there) is our top priority. We know it won't be easy...but it can be done. I can see that by some of the messages on this board and that gives me hope!
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