Well, it’s been a while; I’ve been very busy and haven’t had time to write, but I paid off another one at the end of December. This one wasn’t on the debt management plan, it’s actually more of a revolving line of credit, but I was making only minimum payments on it. I paid it off completely when I got my bonus at the end of the year. So even though it doesn’t speed up my payoff of the debt management plan, it is a huge dent in my overall debt and I am very very happy about it. That leaves me with only two accounts that are not on the debt management plan, both of which are in excellent standing and which I will keep. One is through Sam’s Club – not getting rid of that unless I cancel my membership, as they’re linked – and the other is my one and only failsafe credit card that I have to keep so I will have one. I don’t use it, in fact I have the card locked away so I CAN’T, but I will need it for hotel reservations, etc.

Meanwhile I have gotten the promotion at my main job, and am leaving my second job as of this Friday. I am not certain how much extra I will be bringing home, and it may slow down the overall payoff, but I am okay with that. By working the second job for six months, I have shortened total payoff time by over a year already, so I have to feel good about that.

At this point, worst-case scenario (no extra payments at all), I will be paid off in March of next year. Three extra months, in exchange for my nights and weekends back and being able to actually be a part of my family again. Well worth it.

I’m feeling pretty good about this one despite the fact that I have NO money and won’t for at least another year. It’ll be well worth it in the end…I am LOVING those statements with the zero balances. :-)