I'm so excited I can't wait until that day. I get paid that day and will be paying off Verizon and World Alliance and if no unexpected expenses pop up I'll also be able to pay off more than half of Balt Phy. I'm so excited and motivated I'm moving right along on this snowball plan. I'm so thankful to have found Dave Ramsey's baby step methods. Its working out great for me I'm seeing results each month and its keeping me motivated to hit the Finish Line. I can't wait until i can finally say I'M DEBT FREE!!!!