Hello Queenraenatta, I noticed your goal to become debt free.  Congratulations on choosing this goal to work on.  Going through the process of becoming debt free was a very painful one, but probably one of the most rewarding experiences of my life.  The snowball plan worked for me.  Here's the link.  I hope you're able to find some helpful strategies and that you'll let us know how you're progressing.  I know there are others here on this site who are working to accomplish the same goal too. http://www.daveramsey.com/article/get-out-of-debt-with-the-debt-snowball-plan/lifeandmoney_debt/

How are you coming along with this one?  It was an especially tough one for me, but if I could manage it, I'm sure you can too.  If you'd like to read about all the challenges I faced, here's a link to my story.  Maybe you'll be able to find something that'll help you with your strategy.

http://www.mylifelist.org/experiences/experience.aspx?ID=915