I did it. I bit the bullet and wrote a check to pay off my car today. There were 2 years of payments remaining. I have also paid off both my personal and business credit cards. I'm about 2 months away from being totally debt free. I'm a littel scared about parting with the cash. I'm not going to starve or live on the streets any time soon.
I have a taste for credit and I want to break myself of it.
Dave Ramsey would be very proud of me. :) So, I do believe the next step, once this is all done, is to begin using my debit card for all purchases. That means, if I ain't got the money, I can't make the purchase. More discipline.