You know, you're right Calimari, I'm not disagreeing. I do have higher interest rates that I could apply the money too. But dang, I'm so close, I just want it gone. And, despite my home loan, this is my only secured debt item.

Have you shopped for car or house insurance lately? I know we took off a hundred a month with that, we also looked at phone, internet, TV ect. It helped and by the time we were said and done we saved a couple hundred a month.

I know about being so close on the car, we paid off my car and now have little to no CC debt. We are hoping to have hubby's truck paid off next year so we can work on our second mortgage. Luckly since we don't have much CC debt, we have been able to work on things like the house and that darn school loan, it is so high. We also try to pay for most of Christmas in cash, the great news is with my frugal 75% off run at the target toys and hitting the $3.99 rack at Gymbo, I only have two more outfits to buy for all the kids and they are done. Heck, if they were not growing so quick I would have had them done too. I have learned that looking ahead is a huge help....hope that is not too much info....lol

I like the baked goods idea. We have an indoor flea market near our house and people are always selling stuff like that. They only charge $15 for a booth. Plus with all of the Fall craft shows coming up you could sell stuff there.

Do you have a "windfall plan"? This is the plan for how to treat any extra money that comes into your coffers. We did this for the money that I made working (off and on) and for extra pay my husband got for working extra hours, bonuses, monetary gifts. If you apply most of the extra money that might come in to paying off your loan, that would help. I got this idea from "America's Cheapest Family". You probably could get it from your local library to read. Another idea: we use credit card points to get gift cards. You might be able to squeeze extra money out of your budget by leveraging points. Many banks also offer points.

I know the feeling Mels. I'd rather pay off my auto loan and mortgage, too. If I pay off my mortgage, I have an extra +/- $1000 month in cash flow. If I pay off the auto loan (also so close!), I'd have an extra $350 a month. If I pay off a credit card, I have ... what? ... and extra $78 a month? I love the idea of going for the big hitters. I can't wait to get ride of our auto loan and mortgage. I know it doesn't make financial sense, but emotionally I'd rather have a paid off house a debt on a few credit cards.

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