I just wanted to say thank you for what I have learned already from this board. I have been lurking for a few days and I have picked up some valuable information. I love the snowballing!!! I plan to join up for April. Having read some of the posts I have learned I am not alone and I have been all fired up to become debt free!!! I have been inspired! Luckily I have not hurt my credit but if I had not "woken" up to our spending habits and made some changes it certainly would have ended up that way. I look forward to getting more ideas and sharing the same with everyone.