Going by this repayment schedule this is where I'm at:

11/06 - Pay off Target
11/06 - Pay off Orchard
11/06 - Pay off Capital One Visa
5/07 - Pay off Capital One Gold
2/08 - Pay off W&F
4/08 - Pay off Car Loan
11/08 - Pay off Direct Student Loan
3/10 - Pay off Sallie Mae Student Loan

See the savings in months here: Snowball + 10% Repayment Timeline - File Size 36kb

It is astonishing. The 10% is $236.84. Paying *just* the minimums had me out of debt 10/2013...7 years from now.

Rolling over the minimum had me out of debt by 8/2011...a little under 5 years from now, 2 years quicker than the minimum.

Doing the snowball w/the minimum plus 10% has me out of debt by 3/10. A little over 3 years. 3 years quicker than the minimum and about a year and a 1/2 quicker than just snowballing the minimum.

None of this factors in any *bonus* monies...so it's all subject to be accelerated, which I'm working fast and furiously on since I want to be debt free in 1 year.

This was an exercise in patience. It's not pretty so see all the numbers and got a bit tedious plotting out each month, but I needed to go thru the motions. To make myself so weary and disgusted, the desire to get out of debt is greater than the laziness to stay in it.

Does this mean the next year (or 3 or 5) is going to go according to plans? Bwhahahahaha...I think I heard the Creator laugh ;)

It just means I have direction. I have a goal. I have a passion. I see the day when I'll no longer be under the chokehold of debt.