Planning is one thing, but action is a whole different beast. If you have yet to take that all-important first step, it's time to do that today. Don't wait until tomorrow; you won't see your goals met until you actually take the steps necessary to get out of the starting gate.

While paying off debt can be a little scary, the good news is that as you continue to reduce those balances, you will become more and more motivated to continue. You'll find yourself almost addicted to the process, especially once you realize your first several wins during the process. God bless.