hello all. just thought i'd share one thing that i do to help me pay off my loans more quickly. i have a car payment that is 209.09 per month. i have it set up so that the financing company takes the money from my account on a set day every month, but i also set it up so that my bank sends them a $5.00 payment once per week. this means that i pay between $20 and $25 more on my car payment per month, but it also means that the money only comes out incrementally. i don't have to worry about money being really tight at the end of the month and then suddenly being hit by my $25 scheduled payment. also, i make a point to pay for as many of my bills as i can right after i get paid. that way, i know that all of my major expenses are paid for, and the rest of the money i have to get me through to the end of the month. i hope this helps!