I used my favorite calculator for snowball analysis and at the amount I plan to dedicate to the attack (after polishing off Hawaii fund), it will take an anticipated 16 months to repayment of my $19,000 remaining dollars of debt. And that’s not including snowflakes – especially the biggies like tax refund, or the refund of these deposits I’ve put down for Hawaii, or some other medium-sized flakes that I’m expecting throughout the spring. WOOOO HOOOO!!