All the work I've been doing lately hasn't been entirely without purpose - in the next several weeks, I hope to completely zero out my credit union credit card. As my balance has dropped over the last year and a half, the minimum monthly payment has gone from close to $500 to only $125, and if all goes according to plan, there will soon be no monthly payment on it at all. :) Once that's done, any money that I no longer have to apply to my balance on that card will start going toward paying off my other card, the one that earns me frequent flyer miles. A mileage credit card isn't any use if it's maxed out, since I only earn miles for purchases, not for interest! I'm not quite sure how long the other card will take to pay off, since I'll need to continue using it for some things (I had almost totally stopped using the one that I'm about to finish zeroing), but I am looking forward to getting rid of that balance, too, since any other deb