[cicy33]

I obviously need to read up on this guy but wanted to say one thing. I am a very intelligent person but that did not stop me from doing dumb things with credit. I am very aware of what I need to do to get out of debt but sometimes reading it and rereading it helps to reinforce the drive and motivation. Keeps me focused and reminds me that I must keep trying. I also don't agree with everything that is suggested here. as said above, each person does it in their own way. If snowballing works for Ann, and highest debt works for Joe, and starting a savings first works for Adam then good for them as long as we are keeping goal in focus, which of course is to get out of debt and stay that way!