I am no financial guru. So, I am not trying to pass myself off as someone with tremendous financial knowledge. But, I do have something that I want to share with you all. In fact, I am going to give you a mission...it's not mission impossible. Your mission, if you choose to accept it, is to purpose to become debt free and to determine the date that you will accomplish your mission. It's not as difficult as it may sound. We are going to do this together. The first thing I want you to do is to figure out your net worth. Once you have done this, indicate in this thread that you have done this. You don't need to annouce your net worth, that's your business. In many cases, that net worth will be a negative figure. Don't worry, we will get you out of the red and into the black. Figuring your net worth seems intimidating at first, but once you sit down and start to work on it, it's not that hard. It will require you to make a few phone calls, get a few loan payoffs, etc..but it can be done in a few hours. If your net worth is a negative value, it might be something you don't want to know/hear/see, but you will know your true debt reduction starting point. Each month your net worth will increase. Again, it won't be as difficult as it may sound. Next, we will look at a debt reduction strategy. Take a look at this tool. Debt Reduction Calculator This tool will help you determine EXACTLY when you will be debt free. It's a free download and an awesome tool for debt reduction. If you are comfortable with it, please download it. I am not affiliated with this tool in any way whatsoever. I have recommended it to a lot of people and have taught a lot of people how to use it. (just friends and family, I am not a financial consultant or expert by any stretch of the immagination.) If you are interested in this first and important step in economic strength and unity, indicate so in this thread then we will grow together and post our progress and lessons learned. While I am starting the thread and do have much insight in this area, I am NOT positioning myself as an expert. Everyone who has ideas and/or constructive criticism are VERY WELCOME to contribute to this exercise in financial freedom and economic unity. Everything can be done in a manner that no one has to be in your business or know your financial position. You set your own personal milestones. Announce when you have met them, not what they are UNLESS you WANT to. We will all rejoice together when individuals within our family meet their personal milestones, we will pray together for those who fall short or experience setbacks. If you have questions of me concerning this mission, please feel free to ask. Lets do this.