Our goal this yr is to be debt free, no car payments, CC payments,loans etc. Monthly bills such as cell,cable,basic utilities excluded of course. At one point in our lives it seemed like an impossible wish, but it feels soo good getting close to our goal. The older I get the more repulsed I become with paying bills that have a 21% interest rate. We made a LOT of dumb money mistakes in our 20's that took us a decade to rectify but in about 6 months we will be at a place financially where all we are paying are the necessities! Gasp we may finally be able to put away for savings now!! Anyone else living debt free or close to it. Some advice I'd like to give those who may be young and naive like we were. Stay away from consolidation loans(yes, it sounds good in the beginning b/c they show you how much you are saving a month but they fail to tell you, you will be paying on it for 10+yrs), second mortgages, and only place ''emergency'' charges on CC.