[PrincessPerky]

I was thinking more, the 'Ill never get this done'. kids say that all the time but if you break it down to small parts (pick up the cars, look up 5 vocabulary words before lunch, ect.) they manage to get it all done eventually. Grown ups are often just tall kids with no parents to break stuff down. we need small attainable goals.

but like I said, it is cheaper to pay highest interest first. Maybe a made up goal?