On October 31st, I paid off the credit card. I am on disability and was only able to pay $50 a month toward the card for the longest time. I finally found a part-time job I can tolerate. I started chipping away. I paid off $1200 in 5 months. I still owe $38k on the mortgage but I'm going to add 10% extra to my morgage payments and that will take 7 years off the stinking thing. Yippee!!