It has taken twelve months, cutting back, and saying no or not this month to purchases and activities but we did it - we are now personally (lance still has two years left to finish the purchase of his business) DEBT FREE except for our house.
Looking back over the last year, it wasn't nearly as difficult as we thought it would be to make changes in order to become debt free. Living without cable and not going out to eat very often just became the new normal. We found that we spent more time playing games, playing outside, trying new recipes and enjoying meals at home.
Thank you Dave Ramsey for your ministry! We like our new normal.