[cicy33]

I personally think that the one big glaring thing that I am hearing is that you are extremely burned out. Paying off debt is a big deal, believe me I am working on it but I don't think that people should have to be miserable to do it in 2 or 3 months quicker. I have cable and the net and I don't "need" them but I am also not giving them up. It is one of the few things I have for entertainment. If the credit card that you have your son's loan on is interest free I would almost leave it on there. However, if the difference in making the payment and not wanting to jump off a bridge per se versus putting it on your mortgage I would add it to the mortgage. Yes it is best to have no debt but it is not good to be so miserable because of it. There is more here than just the money. Here is one good way to look at it. If you continue the way you are going how long will it take you to be done with your sons loan and the mortgage? If you change it to your mortgage how long will it take to have the mortgage completely paid? Cuz if I understand properly, you are planning on paying off the mortgage early either way. Also remember if you are paid weekly, that several times a year we are paid 5 times a month. try to take that extra payment and completely apply it to the loan. For ex you say that you are paid 3100 monthly, divide by 4 and you have $775 per week. So if you were able to ignore the extra payment that you receive a few times a year for the next 4 years (that is the time you were planning on working extra) you would have an extra 4 payments a year which is the 3100. This only works if you are paid weekly and you are not counting on that extra payment. I am trying to work towards that myself. This is also not counting on your extra job. If you must have the extra payment then of course this wouldn't work.