Decided it was time to compare the Dave Ramsay Get out of Debt Plan with the Debt into Wealth Plan.

I paid for the The Debt into Wealth Plan about 4 years ago and used it for a while and then just stopped.

Entered all my debts and setup a monthly budget and...
1. The order to pay off the debts alter significantly from Dave's plan
2. The interest rates and length of loan/debt period are all calculated so that you can see how much you are actually saving i.e. in interest
3. At the end of paying off each debt, you can choose to use your accelerator (snowball) to have some fun and celebrate or just keep going. Hmmm... somewhere in here there has to be a balance. Really like the idea of a treat at the end of each debt payoff - also gives DD something to look forward to.
4. Helps you calculate the payoff date for your mortgage - now that I really liked. These vague numbers i.e. about 4 years drive me insane - I like to know exactly how much by when.
5. Everything is automated so everytime you save on the monthly budgeted amount it carries it straight into the accelerator (snowball).

NOW ALL I NEED IS MORE MONEY TO PAY OFF DEBT

Paid some more off my CC3 today - feeling good about that.

Waiting for my work expenses to be reimbursed for July (I did them late) and for August (can finalise them on the 31 August) then I can reduce the CC3 balance more

I am feeling kinda weird at the moment all I think about is "how can I earn more money to pay off debt" or "nope, I am not buying that it is a luxury or a want" - I NEVER used to think like this, very different.

Better get back to work...