I feel I have achieved a great thing today. I have finally paid off one of many of my bills. I put most of my tax return into paying off my bills this year. I did save a portion of it for myself, for a savings account, but the rest when to pay off some Daytona Bankruptcy collection something or other. I do not really care about the name as long as they stop calling me now.  I have also finished off one of my credit cards, which is a pretty big accomplishment for me seeing as how I have been trying since college to get rid of it. I have given up on the student loans because I just know there is no hope for me there. I will be paying that for the foreseeable future and then some so no need to worry. I do hope to have my car paid off in the next couple of years though. But I will not hold me breath. I owe over ten thousand dollars I believe. It is sad that after all the time I will take to pay off the car, and all of the money I will put into it, by the time I pay it off, the car will be too old and I will have to get a new one and start the process all over.