first of all, we have much too much of that nasty stuff.
second of all, we could pay out of it rather quickly (18-to-24 months before landon's school loan, 36 months with the school loan) without a super dramatic lifestyle change. sure, it would take discipline. but we're talking the location of $120-$220 extra in our budget. that's not that horrible, is it?
and we could get crazy and do it in less time. way less time if we adopted "gazelle-like intensity," throwing every extra dollar at the monster and sacrificing more than we thought possible.
i think we're going to use any tax return money and the economy-booster-thingy money to get current on a few ancient and forgotten unpaid-because-we-were-young-and-stupid speeding tickets that have popped up lately and get our emergency fund in place. then we're gonna start the snowball rolling.
i really believe that we're going to do it.
the thought of being completely debt free at age 31 and 28 is too appealing to ignore this proven concept for any longer. and the idea of getting a decent interest rate on a mortgage for a house we really like a year before that (that's fall '09 - only the school loan to go) is a goal just within grasp.
plus i'd be way proud of us. i think Jesus would be too.
"the rich rules over the poor, and the borrower becomes the lender's slave." -proverbs 22:7
"let no debt remain outstanding, except the continuing debt to love one another." -romans 13:8