It does work! I joined in September and I can see it working. I've shortened by debt payoff date by one month! It's really helpful to see how much debt I've paid off and I love it when I get my weekly reminders of payments that are due in the next two weeks and I've already paid them. I'm working on getting my credit card balances down to 50% of my credit lines.

Another thing I like in the debt paydown plan is that any purchases I make on a credit card automatically goes on the stay-on-track payment. That is a great reinforcement for me not to spend unless it's necessary.

Thanks, again.