This past Friday we put payment #60 of 60 in the mailbox. Our Jeep Liberty is now officially bought and paid for. My truck's been paid off for about a year and a half so we are vehicle payment free!! There is much talk on here about debt reduction and we just freed up our single biggest monthly bill. We still have 2 cards to pay off and a couple small medical bills from my son's trip to the ER last month, but now we have the jeep's money to add to the other bills, allowing us to really get them paid off faster than ever. We live without credit cards now-have a couple but never ever use them except for in dire emergencies and plan on being totally debt free in 2 years. I don't make much money and my wife is a stay at home mom. It's tough, but with dogged determination it can be done.