Through saving and working a lot of extra hours, we were able to pay off the rest of the credit cards last month. By January 1, we will pay off two small car payments. The only payment we will have after the first of the year, outside of normal monthly utility bills, will be one car payment. It's been a difficult year as far as the hours are concerned, but I thought one of the best things in any crisis is to be debt free and it's a great feeling!