Congrats to you. wow I cant wait until we are debt free. My children are all grown and now live on their own and are doing good, Me and Hubby was doing great until 3 years ago when I hurt my back. So Im not able to work now. So with my half of the bill money not coming in we have had to charge here and there to just get by. Its hard and very depressing after never once in our lifes haveing any back debt or ever having to charge and then to charge to just get by. But we are working on it and have for the last two years. In two months we will have our cars paid off and then will be able to start paying down the credit cards. its going to take us a while and it is hard. not being able to spend any thing for the heck of it has been very hard.Thats why you dont see me buying any thing here . But we get by. and I hope in a year or so I can say we are not dept free. So again congrats too you.