[Gruntina]

Hi All Thanks for all your comments.

Unfortunately the big loan and the car loan were racked up by an ex-husband who used my credit cards while separating during a pending divorce. I had forgotten his name was listed under my name on the cards. It was mostly for revenge as I was granted a quick divorce for my immediate safety. I left with only a few items and the truck which I later sold for a cheaper car which I am currently using right now. This happened a few years ago and the debts were much higher to begin with... Plugging away at paying this debts off little by little has change my character and the way I view life and money and etc so I do not regret that this has made me a better person because of it. But I am sooo ready to be done with it and move on and do things I would like to do with my money in hope of saving for a down payment for a home or something. I feel with all the money I paid towards the debts, I could have done so much with it. Now I am much wiser and have no tolerance for drama or violence. (Life is just too short!)

After reading all your feedbacks, I am going to focus on the big debt. For motivational support, I think I am going to generate a visual chart or something on my wall so I can see something that is accomplished since it's not going to change my monthly bills for awhile. In the mean time, I need to make some sort of plan so when I do pay it off, I don’t spend it and I do something wise with it. Thank goodness for this site!!!!!!