Hi all, I've finally paid off all my debt and as of today, Dec. 12th, 2008, I AM DEBT FREE! I don't owe anyone anything at the moment and it is the best feeling in the world. Now everything I earn is mine mine mine. It took me about two years once I put my mind to doing it to actually achieving it, but it's done. I can't even explain how good it feels. And honestly the tip that helped me the most here was the tip on day 9, about strategically making my payments. Here's the link: Link
I paid every penny I could towards the cards with 22% interest, and moved another balance over to a 0% interest card. While I made the minimum payments on the 0% card, I paid at least double my monthly payment if not more on the higher interest cards that I couldn't transfer.
So now what am I going to do with this newfound credit freedom? I'm booking a flight to Hawaii. JUST KIDDING. I am saving every dime, especially since the economy is so rough at the moment. Thanks to everyone for your support and advice!