That sounds like a damn good plan. My grandiose plan to pay off my CC by next August may not happen, but I am giving it more of an effort than I was before. I don't want to get into serious debt again with this trip to the UK in the spring. It's bad enough the plane ticket will cost $1000+ (gulp). I want to at least have that saved up, but it may come down to a choice: pay off the credit card or save in order to pay cash for the trip. I'm really sick of paying interest, so it's leaning that way. Good luck!