Dh and I are in the midst of debt reduction. If it was not for the bad debt eg: credit cards, we would be living more comfortably right now, or at least be hammering our mortgage.

Based on current projections (as is just what we pay each month, no extra windfalls being paid) we will be out of it in 2015. Sure it was only 2014 when I first worked it out, but hey have to go with current figures.

It is depressing really, whilst I know we should feel good that we are taking control and doing something about it, it is such a long time away. Plus we want to build, so need to reduce our mortgage a lot before then as well. In fact we were looking at starting the process in 2014!

Anyone else done or going through something similar? How do you keep focussed? How do you keep the balance between the goal and living now? I know we could hit at out debt harder, but then what little lifestyle we do have would be gone.