I've landed a second PT job at Target. The hours that I am there are rather "cruel." Four a.m. for 4-5 hours, and with a 45 minute commute. This isn't easy because I close at my first job by 10pm Sunday-Thursday and 11 on Friday and Saturday if I am scheduled to work those days. Wow! Talk about being bleary-eyed. That itself is a 25-minute commute providing there are no deer crossing the road to worry about. Very rural where I live.

The good news is that I've essentially doubled my working income which will allow me to set a goal to become debt-free. If I am dilligent and aggressive, I should be able to pay off my one loan and cc debts by Christmas of next year.

This is incentive, and to me, I equate this to paying off a house mortgage. Except I don't own a home, nor do I want to at this point in my life. As long as I have a roof over my head, I'm happy.

It's all good, you know!