P.S.

Forgot to add... I will increase my car payment after the last credit card is paid off too so... it will essentially triple what my car payment is now and I will have it completely paid off much sooner. 

If it's any comfort to anyone who thinks of giving this a try but are worried about being so tightly constricted - you get used to it.  You really do.  Then, when you have it all paid, just think of the money you will be saving every single month and how fast your savings will grow! 

After that, you can start checking into making that money make even MORE for you later.  IRAs, CDs... lots of options out there but you need to investigate every available one.

• Before the post gets buried below regarding credit - very long message sm - penny wise
  • That is some wonderful information - sm -
    • Ouch - my husband had to come clean to me too sm - penny wise
      • thanks for the advise, you say some very smart things - sm -
        • The very 1st time he talked about killing you, was the time - to kick his stuff to the curb & change the locks!
        • I realize this is a private matter, but - diddlydee
          • No the in-laws are not an option the only reason - sm -
        • How not to get killed?!?!?! How about leave the idi0t!!! - mt
          • Regardless it all comes out and I still -sm -
            • Life is too short to live it in fear. I'd rather sleep in my car -sm - Just my opinion
        • I can sympathize with you sm - penny wise
          • thanks, good idea too. - sm -
            • Drinking 9-12 beers a day means he is - an ALCOHOLIC. - nm
              • PS: He really does need serious help. - Maybe you should tell him that. - sm
            • credit debt - (OP)
  • P.S. - penny wise
    • This is wonderful. - This is basically the "snowball"
      • Make a list of budget/spending priorities for your self employment income - mtstudent
      • not to worry - sm - penny wise
        • Dave Ramsy, The Total Money Makeover.... - phillychick
          • Thanks - will have to see if I can find it at the library. nm - penny wise
          • Oops, it's Ramsey...nm - phillychick

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