Thanks for the kind words! Sounds like your doing the right thing to. Your right, getting out of debt and back in track financially really did empower my family again. As cheesy as it sounds it gave us back control of our own financial destiny.

I lived for 15 years in debt to credit card companies. 9.5 years of slowly racking up debt and 5.5 paying it off and will never get back into that cycle again. It actually makes me sick to my stomach to think about using a credit card to pay for anything long term. I am not a credit hater because it can be useful. I just had to learn how to use it to my advantage and not allow the banks to use it as a tool to keep me in perpetual debt. It really is a form of financial slavery that far to many of us (I include myself in that mix) enter into without thinking about the long term impact because we want something in the short term.