We didn't plan it this way but paying off debt has been our top priority now for about 18 months.   And our old truck needs more repair (another new clutch etc. etc.) than we can afford so we took it off the insurance yesterday .  We have 5 payments left on the '05 van which is in fine shape.   It will just have to do.    DH will miss his truck.   He's undecided as to whether to fix it later on or just go permanently to one vehicle.   (hes retired).     Anyway, I guess we'll save a little tiny bit for the monthly insurance, not sure yet though because the discounts we will lose may outweigh the $22 a month it was costing to insure the old truck (liability only).   

In one way it's good because it shows we're going to be debt free.    In our not so old days we would have borrowed from somewhere to fix the truck, whether it was with a credit card or personal loan -- but we're not doing those things anymore.  

We've got about $13,000 left in credit card debt, 5 car payments, and 21 house payments.   It's easy to get discouraged yet when looking at the total debt it has gone from $64,000 down to $25,000.    And the main way we've done it is hardknuckling in terms of NO NEW DEBT.    And attempting to follow Dave Ramsey's steps. 

One good this is we can make a decision about the truck later after the van is paid off in August, and the truck is parked safely inside the garage -- while my husband decides if he wants to unload it or fix it later.  It's a '92 Mitsubishi but it has been a good dependable truck.  I'm working but with a friend so we use her car and I bring the food and waters - it works out for now.

im proud of you

Thank you Carol!  I hope everything is going well for you these days!   I've missed being on here and now seem to have the time once again.

That is fantastic. We are also aiming to acquire no new debt and get our credit cards paid off. We incurred quite a bot of expense getting our farming operation started but I am seeing a light at the end of the tunnel. We have about a year left on my husband's truck and 2 years on my youngest daughter's car then we will be down to nothing but a mortgage payment. I have also been more conscientious about saving. 10% of our net pay goes to savings and 10% is tithed. The rest pays bills and the surplus (when there is any)and any windfalls go to the small credit card which is about $5000 right now. When I get that paid off, I will apply that payment amount to the larger card whic is about $10000. I hope to have the small one paid off by the end of summer. You are encouraging me to stick with it. Thanks!