I just posted recently and I wanted to thank all of you for the support and advice. I started to list everything I buy and write down all my debts. It doesn't look so well when they are all written down does it! Well, in calculating, I should be debt free in 3 years, and that's including student loans...not too shabby. I was in a lot more trouble a couple years ago, but my aunt loaned me money ($12,000) to pay off some debt. I have been repaying her back ($500 per month). In 1 1/2 years I should be even with my aunt! Then I could start snowballing that money into my CC and loans. I'm excited to get all of this paid off!! I haven't been debt free in a long time and I don't ever want to be in this position again. I guess it takes writing all the #'s down for me to realize how much trouble I was in! I never realized it because I never pay late and my CC debt is on 3 different cards, so it doesn't seem too bad.
Also, I was wondering if anyone has any advice for me. I am trying really hard not to accummulate more debt, but I have a long-distance relationship and my bf lives across the country in DC (I live in So. Cal). I love him very much and we try to see each other often, but with my new plan, I can't really afford to buy plane tickets every other month like I have done in the past. Any advice? Should I save up some money and try to see him less often...eeekk...not sure. I know if I keep seeing him every other month, my debt won't go anywhere!