Its been a lot and I mean a lot of hard work, well not really. I enjoyed every extra daily principal payment of it. For the last 2 years that I started this debt free voyage I would walk to the bank every day accept Sundays of course and I would make an extra principal payment whether it was 5 bucks or $2000 bucks. The funny part a huge portion os paying off the debt was all from credit card churning, lol I started off owing $115,000 23 short months ago. Now I'm down to $3,543.76 !!!!! Now I am not bragging, I am telling my story to motivate people to break the chains of debt and stress and have a much more happier stress free life !!!! On Sundays I must confess I go through mortgage withdrawals !!!! lol !!!!! Everyday I went to make a payment they always had free coffee at Chase Bank for like a free bonus !!!!! Good luck to all of you !!!!!