I started really making an effort to stick to my budget in November. Today I was working on it and totaled up our balances due on everything but the mortgage and realized I had paid close to $3000.00 off my debt in a month. It's no where near being gone but it's a good start and I'm psyched about it. Now with my brother starting payment on the trailer and land I'll really be able to see results. I pulled my credit reports two weeks ago and saw a bill that I had forgotten about from 3 years ago. It was only 120.00 but it was negative on my reports. I am happy to say that I paid that off tonight! The agency said they will update my report within the week to say it is paid in full. It's not much but it will definately help my score. Sticking to my budget will get everything paid off in two years not counting my brother's payments. With my brother's payments I can be out of debt except my mortgage in a year. I am still budgeting as if he's not paying us so that I can just throw that money at debt and savings and not become dependent on it for other things. It's like a big old weight has been sitting on me and somebody lifted up just a little so I can take a breath. I can't wait until it's gone and I can breathe freely.