November has been a good month for me overall. I managed to decrease my debt by $3657.04. I am starting to feel really good about ending 08 being under 40k, maybe even in the low 39s.

My AMEX is totally gone. I have zeroed and only using for budgeted expenses including cell phone/gasoline charges because it returns 5% cash back as statement credit everyone.

Chase FreeDOM has been gone for a while and only using for groceries and other budget expenses. It gives me 3% back plus a 25% bonus when i reach $200.00. This year I have received back $500.00

Lowes/Home Depot Charge Cards are my next target, my 0% expires in Feb, so I need too seriously destroy it by then. Home Depot is on a fixed 7.9% for the full length.

HELOC is on a variable interest based on prime, since it has gone down significantly, i am paying 4% on this and since we are going to be on this slow-growth for a little while, i am sure the interest rates will be down also until the inflation starts kicking in.

I have 27 months left to pay off all my short-term debt including CC/Auto Loan.

I'll see you guys next month.