My debt is at $17,784, a reduction of $1, 448 from last month. Compared to last few months, my debt repayment has slightly reduced. I know I am spending more money than before but really don’t know on what exact items. At this rate of repayment, I still need more than ONE year to be completely debt free (that’s summer of next year). I really wanted to be debt free by end of 2010. Help me! Any ideas?