Christine,
    I am counting the days when I can call in on debt free Friday and scream  "I'm debt free." I stumbled on to Daves program two months ago. I am more determined more motivated to get out of debt.

Tom,

Hubby and I have started watching the DVD's and it is so inspiring, and Dave is funny too. We don't have Dave on the radio up in the Northeast here, but we listen via the internet. We too are looking forward to calling in and screaming we are debt free! I have the baby steps taped to my refridgerator. I am in the process of making a huge debt thermometer that I will fill in as it is all paid off. I am so excited and geared up for this!

Christine

other than avoiding credit card like plague, hmm i would think that keeping on a certain amount in the checking account that you need for your house and other expenses. Other money should go into a CD or saving account so your not tempted to use it. n not giving into impulses for buying things.

Way to go Christine.. Stay focused!! Keep up those baby steps.

Here Few tips for debt elimination:
1. First off, consider going on a "cash diet" for the next few months. Lock away some of those credit cards in a safe deposit box... or just cut them up altogether! By all means keep a low interest rate card for emergencies, but definitely rid yourself of any store cards. Why? Because they encourage you to buy junk you don't need at exorbitant rates of interest!
2. If you're having difficulties with any of your lenders, approach and deal with them personally. Not only will they appreciate your initiative, but will be far more responsive down the line if you're having further repayment difficulties. The one thing that irritates them most is someone ducking and diving the problem.
3. If you think you can afford to pay off any of your loans in one go, approach your lender and offer a reduced final settlement of anything between 25 and 75%. Try and get the best deal. They can only say no, and might just say yes to get some money in. When I was deep in debt, I was fortunate to pay off a bank overdraft in this way. In fact, they proposed straight off a settlement of 75%... not me!
4. Ask for a promotion at work. Believe it or not, it's estimated that one in two people who actually do this get one.

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Good Bye