I am freaking excited!  After about 3 and a half years my wife and I are finally almost debt free except the house.  The energy and momentum is building as we realize that the years of sacrifice are paying off and coming to a most satisfying conclusion.  I thought we'd never make it but God willing we will be done by the end of March or middle of April at the absolute latest.  So what's next for us?  Ahhhh, perhaps a nice cruise to celebrate our 10 year wedding anniversary later this year.  Paid for with cash baby!  Due to young children it may be sometime next year but you get the idea…

So how about you?  Where are you at?  Have you decided that it's time to take the plunge and get that debt off of your back?  I hope so.  This is the year and now is the time.