I've been on this board on and off for years. Last October, I came back feeling motivated to finally get rid of our debt. I had goals, DH and I were on the same page, etc. Things were going well! Then, in mid-November my youngest son got very sick. He was in and out of the hospital 4 times between Nov. 21 and Dec. 24. He was put on a feeding tube to his intestines and was just wasting away. It was horrible. I had been watching one baby in my home, but when my son got sick the mom found a new sitter. Debt went up and income went down. :( My son is finally making improvements, and I've contacted the mom to see if I can get my job back (she is not too happy with the new sitter). So here we go again.....we must pay off our debt. My goal is to have our consumer debt ($30,494) paid off by the time I am 40 (3 years). I *know* what we need to do, spend less or make more or both, but actually doing it is another thing. SIGH. I like coming here to read about everyone's progress...I find it very encouraging!