[creditcardfree]

It is a tough sale. I think simply living by example and sharing your experiences will rub off on some people. My best friend is quite the spend thrift at times. Had (her words) to take out a home equity loan to pay off credit cards, just so she would have a final payment date to look forward to. She is simply not disciplined enough to pay extra on anything to get it paid off. She has asked my opinion on several differnet financial matters in the last year. She doesn't always follow the advice, but at least she seeking another point a view.

Stay the course. I can't imagine you would regret it.