So where to start, about six years ago I refied to a 15 year mortgage. Lower rate, same payment but cut about three years off. The first of this year (10 years left) we decided that was still to long. So I came up with what it would take to cut it to five years. I also have some other debt, that includes getting two kids thru college. The plan was to be debt free in five years. Even with the stove, (oven quit working) dish washer and washing machine all being replaced this year. And a big vet bill, we stuck to it and are actually a few months ahead of the plan. And we did Vegas in June. We stopped going out, cut our spending to the bone, figuring we could still get two frugal trips to Vegas a year, which we both enjoy. Some business expenses have come up that will run about 3k+, bis is kinda flat now, and I knew some of this was coming ,but not 3k+ so the dim light I saw for a December trip, is out. My medical insurance is covered by my wife, yesterday we went over the changes for the new year. The rate went up huge, with increased co-pays and prescription costs. So were going to increase the amount going into our medical flex spending account. Hopefully we don’t need it, and a balance can rollover into 2016, but in all another 3k+ hit. Our son just switched airlines, (he was with US Air) so hopefully they come thru with free flights. Other wise vacations are not happening, till I’m debt free. So if you read my dribble and are going to Vegas in December, (you suck):Þ lol I have a LVA I’m giving away, I used the downtown match and free plays and a few others, but it still has the MSS and Fremont BOGO buffets and just about everything else. I don’t mind doing a few mailings if someone only needs a few, or the whole book. PM me or post here.