Every little thing adds up, believe me. I gave up a lot of things the past two years to dig out of my hole, but I am SO glad I did it now. I sleep much better at night. On the other hand, I have family that's in a deep hole and doing very little to get out of it. I don't buy the "Well I'll never pay it all off, so what's a cup of coffee or dinner out?" Um, it's that much more that could have gone towards paying bills. You've got the right mindset and at some point you'll be able to look back and know you did the right thing for your family.