Texas,
Can you become my financial adviser?
Johnny,debt ridden in Miami!
If you're serious, I'll be happy to help you - but you've got to be ready not to like what I may tell ya.
It's not that difficult to do - the trick is to knuckle down and do it. There are 2 '08 vehicles in the driveway - both on 36 month notes, neither of them "econoboxes"
There's a paid-for '07 HD Ultraclassic in the garage. The vehicles had significant down payments put on 'em. I do 30-40k miles a year on my vehicle, so it behooves me to pay it off quickly. On this cycle, I'm also setting aside additional $$$ so that when it's time for the next one (at 150k miles), I'll have enough saved to pay cash for the next one. I write 'em off, so yeah - I spoil myself and buy 'em new.
The house.....bought on a 20-year note w/30% down - 5 years ago. Doing a refi next week to drop the rate down a full percentage point, then have run ammortization tables to make enough additional principal payments each month so it'll pay off mid-year of 2012.
Fun? No - but the light at the end of the tunnel is getting a LOT brighter, and THAT is what it's all about.
Oh - I might also add that I currently have TWO jobs.....sometimes you gotta do what you gotta do!
Again - if you're serious, I'll be happy to help you look at where you're at, and where you want to be. I've done it for several others - I don't get judgemental on folks unless they totally ignore my input, at which point I just let 'em go ahead an' wallow in their pits.
Just PM me if ya wanna.