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Yesterday, I wrote and mailed off a check for the balance of one of my two remaining student loans. :D

The last one is the whopper--about 1/2 the mortgage, but according to the snowball, I can have it paid off by December 07. <BIG GRIN>

However, this payoff date may be delayed a year, because I have decided to make sure that I am fully funding my Roth, as well during this time period. I ran the numbers and over 30 years, the additional three years funding creates a difference of about 100K. (I'm not sure this is correct, but it certainly drew me up short and made me re-think my plan to delay funding the Roth till the debt is gone.)

Loans are--thanks to an employer tuition reduction plan--at zero percent and I have an account set up at Emigrant so I can deposit my payments there and make some cash. The plan is to deposit all payments and extra cash into there and then draw the ROTH payment at the appropriate time.

I am looking forward to the day when I can devote more of my money to savings, charity, and treats to myself. I told myself I would give myself a year of yahoo music launchcast (at 60.00 a year) as a reward. Do you know? I couldn't bring myself to type in my cc number. I thought, "maybe there's something free out there...." LOL

Fooling on
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