This month, I pulled some reserve funds out of my real estate account to help accelerate debt payoff. This leaves my emergency reserves very thin, but I've concluded I can always use a credit card to fix any major repairs, if and when the need arises.  I have applied the additional funds to pay off the Bank of America account (BofA in the account list below).  This account currently has a low interest check-writing offer (3.99%), which I might want to take advantage of.

Any time you want to take advantage of check-writing and balance transfer offers with existing accounts, you really need to start with a low or zero-balance, in order to avoid a common credit card company exploitation.  Every issuer I know of applies payments to lowest interest balances first.  This means your current, high interest rate balance will continue building fees at that high interest rate, as all your payments quickly pay off your low interest balance.  This is the exact opposite of what you want achieve, which is quickly pay off the high interest balance, and keep low interest balances longer.

My new payoff date as of November 1st is April, 2012.  As I've mentioned in the past, I plan to refinance my rental house, and hopefully apply about $8,000 of the proceeds to paying down debt.  Then, I fully anticipate I will be on schedule to get this debt paid off within my 3 year window.