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No. of Recommendations: 1

Brace yourself...more encouragement coming! You've come to the perfect place to beat the debt monster. I love the attitude around here...they almost treat getting out of debt like a game.

I don't know about you but when I got my first credit card, I felt honored and privileged. I just HAD to use the cards...wouldn't want to hurt their feelings. Now I know the pleasure was all theirs! They are making a fortune off my interest payments and other fees.

Well, I'm turning the tables on them with the help of this board. I downloaded the snowball calculator (sorry I'm no good with URL addresses but you can search for "snowball" and find it very easily) and was so excited to actually have a plan. I printed the spreadsheet out and every time I make a payment, I put a red mark through it as if to say, "Take that you old debt monster!"

I loved your referrence to Dr. Phil and Oprah...I just love them! He really makes you face reality and stop kidding yourself.

Think also about what you will be teaching your child. You can help him not make the same mistakes you've made! You can prepare him for a more solid future. Cool!

...only 26 more months until my money is MY MONEY!
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