Past my mid-30's. Life sucks.

Moving on. I'm happy to see my 0% CC money continuing to drop down. Between the $250 I put to my wife's car, $100 minimum on the Discover 0%, and the $200 minimum on the Citibank 0%, that's $550 a month going right to that debt. Looking back over the past year it's depressing when you see the tiny dent put into the mortgage and the student loan. Not much can be done.

Well something is being done, at least for the mortgage. Took advantage of the really low rates and scored a 4.625% 20-year fixed interest rate with Citizens Bank. I'm pretty encouraged by the nearly 1 point rate drop and the shaving of 4 full years of the loan without increasing my payment each month. Additionally, I no longer have to pay PMI, which is worth it just by itself!