I've been on a mission lately to pay down my credit card balance. Had a few high APR cards due to a few over the limit deals (don't get me started), and was not cool with the 29% rate they bumped me up to (from 16%, no late payments, just over the limit), so I started a plan of action. First I called the credit card companies, and requested a lower rate. They basically laughed at me and said forget about it. Even though I payed all of my bills on time, they acted like I was a deadbeat just because that months payment put me over the limit. I decided to take action! I created a credit card spreadsheet to figure out my credit card paydown progress. I think it helps to stay in focus and keep your eye on the ball when you can see the hard numbers (sometimes it hurts, but it's keeping it real!) It has beginning balance, apr, percentage payed off, percentage maxed out, and a what if (goal scenario). Feel free to use it for your personal goal setting, or if you are a computer nerd and have any ideas, let me know. rock on.... didn't know how to attach this to the post so here's the link: http://www.motorway.net/paydowncreditcardspreadsheet.xls enjoy!