This has been a great year. My wife and I will be free of credit card debt by May of next year. The next step is to pay off a loan for new windows for the house. I really want to be totally debt free (and I think my wife does too). I’d like to even own my transportation and home outright. Lofty goals I know, but more feasible when you own a very simple and affordable house. Since our old and beautiful brick, 3 bedroom, 1 bath, 1917 foursquare in Detroit was only $105k this is really possible. I cringe when I see people (who don’t make much more than my wife and I do) buying $300k+ homes. Financial insanity! That kind of debt is scary.