I just paid off my credit card. $7,000 in 5 months. I can hardly believe it. I learned some great lesson during this process that I just want to put out here in cyberspace: 1. I will be jealous if my extended family goes to WDW without me, but nobody ever died from jealousy. 2. A vacation isn't much fun when you are paying for it 5 years later. 3. I can do without so much and be fine. Whenever I need a good reminder to stop my pity party, I just read the laid off support thread. That really puts things into perspective. 4. ChaCha saved my life and my marriage. I worked every spare minute I had and made enough to finish paying off the card two months earlier than planned. 5. I would much rather ChaCha for a future (paid for in cash) vacation than old debt. 6. My husband and I actually make a decent amount of money and, when it is managed well, we have more than enough. 7. I don't "deserve" new clothes, a vacation, a new car, a new computer, etc. unless I can pay for it in cash. Working hard doesn't mean you get to have everything you want. 8. It takes more work to pay off a credit card than to save for a big purchase in advance. I am so glad that I buckled down and did this. It wasn't easy, but it is so worth it to wake up this morning and know that I don't need to spend another day searching for an extra $10 or $20 to put towards the credit card. I find it a blessing to know that I can now start the "fun" part of our path towards a debt free life by making extra payments on our car, student loans, and mortgage. I don't post here very often, but I read everything. I have to say thank you for helping me stay on track and appreciate what I do have. I am well aware that many of you are making tough choices between paying for housing or food and would love to have my "problem" of deciding which bill to tackle next. You have been an inspiration and not a day goes by that I don't think good thoughts for those of you who are in the most dire of situations.