This past weekend I made the final payment on my credit card! It feels great and I can't believe I did it this quickly. I am officially debt-free. I wasn't aware of how much I was throwing down the drain on useless crap. The ticker says I only paid off $3292 of debt but that's because I didn't create that goal on Mint.com until about 4 months ago. Seeing that ticker and that goal glare at me in my face, taunting me with its evil ways, I wanted to complete the goal as quickly as possible. All in all I actually paid off about $12,000 on this same credit card since this past May 2010. Every time the balance went down, I kept spending more so I always carried a balance of $2-3k. Something clicked on my 23rd birthday and I just didn't want to do this anymore. If I can do it, anyone can! Just keep throwing your money at your debt. I don't have any car or school loans so I was able to do this quickly, but the 21% interest rate is horrible and I paid SO much on interest it's embarrassing.
My next goal is to pad up the emergency savings. What motivates me the most is the Jul 05 2012 estimated completion date. It sounds SO far away but I know that it can and will be completed before then!