Baby Steps

We are working to be debt free!  We are using the Dave Ramsey plan and working through the baby steps.  We have accomplished Baby Step #1-Set up a $1000 emergency fund.  We opened a new savings account in a bank other than the one where our checking account is.  This makes it more of a hassle to get to it.

Now we are working on Baby Step #2-Pay off all debt, other than the mortgage using the debt snowball.  We've never had a whole lot of credit card debt.  I did pay off the one card I had a balance on recently.  I need to get that thing cut up!  That leaves us with only ONE debt to get paid off, my car.  I had the bank increase my auto payment by $150 last month.  I was gonna save as much as I could every month and just make extra payments, but I don't trust myself to do it!