I love seeing the interest building up in my ING saving account! It’s the 5th day of the month and I have earned $.15 cents. Today, I am plotting and planning on how to pay down more debt b/c the quicker I pay it down, the quicker I can move even more money into my ING savings account. In July, I will have Retailer #2 finally paid off (that was my last retail credit card) and then I can move the money that I using to pay off Retailer #2 to Cap1 Visa and double up those payments to them. Currently, I have calculated that it will take me 23 months to pay off Cap1 Visa BUT if apply more money toward Cap1, I should have paid off much more sooner.