I've rechecked my balances and ran the numbers using http://www.whatsthecost.com/snowball.aspx and the results are in! In 19 months I'll be making my final credit card and mortgage payment in the same month!!!!! I'll be debt free!
Since I began paying down debt (and not making any more) in February 2009 it will have taken me three years to accomplish. We've given up some luxuries to make this happen; dish tv, games, movies, books, cutting back on groceries, selling things. We could go farther and go bare-bones on the groceries but it wouldn't pull back the payoff date by more than a month possibly. This is what I consider a sustainable lifestyle, not a hardship and getting out of debt IS SO WORTH IT!