I now have a solid date when I will become debt free for the first time since I was 18 and just moved out of my parents house.  July 14th, 2006. I was thinking about playing it a little more conservatively and and shoot for mid August but the hell with it. Dumped my emergency funds into checking and made a payment of $1392.12. Add that to the payment of $505.65 that I made about 10 days ago and the $2000 last month I now have a grand total of $1358.39 (plus the 35 or 40 bucks that they will charge for interest on the next statement) of stupid ass debt remaining. The sucky thing is that I will be flat broke until August now. Oh well. If I have an emergncy that I need emergency funds for I can just use the credit cards, that’s what they’re for anyway. Where I got in trouble is when I had to use them for day to day living expenses when I was going through my divorce and everything was in the crapper. Everything I had was completely maxed out. In the years since then I really haven’t payed them down that much, didn’t really have the cash to do it if I wanted to. Now that I have a good job I want to have nice things instead of pissing my money away. I’m sick of everything I have being garbage. I want to own a house of my own instead of having to have a roommate at almost 30 years old. I have a lot of wants. What I NEED to do is make them happen since I’ve pretty much resigned to the fact that I’m not going to win the lottery. Your last name has to be Nguyen to win that. Damn Vietnamese keep getting my lottery ticket. You dont see me getting tickets to the Vietnam lottery do you?