It was another decent month of steady debt reduction. I paid out my commitment of $1,500, and am now within a month of breaking through the next big barrier, the $40,000 debt level! It doesn't sound that exciting that my debt will be $39,300 or so, but I am savoring the solid progress and look forward to the small victory.

My Bank of America card now has a new balance transfer offer... 1.99% interest through November.  My WaMu card is coming off it's 1.87% intro rate in another month, so I'll transfer that to BofA some time this month.  The WaMu card resets to 23% interest, so timing is important.  Its tempting to wait untill I actually see the 23% interest rate (and feel that pain), but the rate increases a month or so before I actually see it on a statement.  Thats another trick that I've fallen for before.  This time, I'll get it transfered out before I get caught by the high interest.  Eliminating the 23% interest from my overall debt management plan will also have a positive impact on my "debt free" date.  The current date of October, 2011 assumes the WaMu card debt resets to 23%, which I'm now taking steps to avoid.  I'm not sure if it will be a huge impact, but I'm hoping for a month or so.  I'll let you know next month.