Well You've Come to the Right place! All I can say is Stick with it! The alternative is SO MUCH WORSE say in another 20/30 years when your nearing retirement if you dont change your spending habits. I know I wont be debt free to almost the same time you are around mid '00 here. Coincidentally, We started living credit cardless for the first time about the same time you did and sympathize with you. The way I look at it is I am just paying for Past Sins... Some Very PAST ones at that. Subsequently we will be paying for them a long time to come...I wish the best of luck for you on your quest and do Continue on it! I have to agree with everyones characterizations of debt - Anyway you look at it... it isnt Good and this is the best way to get past that! (Slugging your way out of Debt that is).BottlesRob
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