Thanks people! Again your knowledge and expertise has won me over hands down! The comments are well noted.
Seems like we're on target with Dave Ramsey and we do need the perks to keep us motivated disneysteve! It does take two to work an effective payoff system because one on board just won't cut it. Hubby says Dave's approach is more realistic and with a gazelle intensity we can wipe out the bills we have in no time!
People keep the comments coming as I noticed so many people just need a plan to tackle their debt rather than a spanking or lecture telling them how much debt they are in. We have been there done that and have the T-shirt LOL.
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