So it's 2006.
I'm a little older, a little wiser, a little heftier LOL.

After reading several financial blogs, I have realized that my savings plan has been utterly incorrect the whole entire time. Sure it feels good to save SOME money out of the home expenses but the truth is- I PAY MORE IN FEES THAN I SAVE IN A MONTH!

For example, my smoking habit used to cost me 28.00 a week. On some months that means 112.00...other months it's 140.00. If I save that 140.00, I get like 30 to 40 cents in interest. My student loan payment, which is just ten bucks more, is taking 53.68 in interest EVERY MONTH until i pay it in full. The numbers are quite disconcerting.

So I log on to daveramsey.com to see what the drawling guru has to say about paying off SL debt. "Snowball it!", he says. I say "No Way!!" Snowballing my SL will make me a little more jittery because it will take me a pretty long time to half the balance.