[Joe Wicked]

Warren,
The Cobra is still years away. By the end of next year, there will be money going into a savings fund for the Cobra. I committed that my car would be paid off and all credit cards will be paid off before I put money to a Cobra. I will be at that point next year. I have included all store credit and lines of credit in the Credit Card category. Good news is that I owe $6500 on my car and all "Credit Cards" total about $4K. I expect to have them all paid by the end of 2010 making my current payments. If I get this job/promotion I applied for at work, and the raise is anywhere around what I think it will be, I may get it paid off by this time next year. Then the process of saving up for the next several years to get the Cobra will begin.