The struggle within.

If I stick to my payment plan I will be debt free by September 2008. I wish that date was closer; living this ultra frugal lifestyle is wearing thin. Every day I tell myself be patient, be patient, you won't regret your dedication. Another part of me tells me to use my cash savings and pay everything off now, but I'm a firm believer in an emergency fund so it stays where it is. Every day I have this internal argument: be patient/pay it off, be patient/pay it off. I'm going to assume I'll have this argument with myself every single day until one day I'll look up, realize it's September 2008 and the debt monkey will be off my back.

I'm sure people are wondering what the heck I'm doing with stocks and a retirement account when I'm sitting on credit card debt. Both debts are sitting at really low APRs; CC Debt 1 is at 2.99% for the life of the balance and CC Debt 2 is at 1.99% for the life of the balance. Since the APRs are so low I could just pay the minimums and invest the rest, which is what I have been doing, but I 've been sitting on these debts for years and it's time for them to go.