Scooty,,, This is basically what Dave Ramsey preaches,, he uses the term snowball effect also. I really thank you for taking the time and writing such a detailed outline. I have just started and boy is it tuff.. i mean really tuff.... My wife graduates next May from Nursing school, so that should help tremendously with bills and getting out of debt. but for the time being, being that I am the only earner, it is not so easy.. thanks again..

Chris.