Using the momentum of others

Prior to joining the WIRR, I had already created a spreadsheet to track my debts and predict how long it would take me to pay them back. Being a bit of a data nerd, it was full of formulas and linked cells so that I could see how paying a little extra here and there would affect everything else. I thought I was doing pretty good on my own and had figured out my own 'snowball' that would have my CC free by Dec 2009, and debt free by 2017...now keep in mind if I were to take as long as the banks want for me to repay the student loans, I'd be in debted until 2025. So I figured cutting it down by 8 years was pretty good. Once I joined the WIRR, my mentality towards debt repayment totally changed. I realized that I could and should commit more of my income to paying my bills. I was seeing plenty of other people doing it and hearing stories of people in worse financial situations than myself pay 2x what I was each month! So I became addicted to working and re-working my spreadsheet. All kidding aside, I play with the numbers at least 1x a week! I'm now currently on track to be CC free by March 2008 (20 months ahead of "schedule" and debt free by January 2011 (14 years ahead of schedule)!!! It's amazing what happens when the momentum of others inspires you to dig a little deeper and squeeze a little tighter!