Jeanette on the here is a awesome Disney travel agent . She is working with us for a 10 day trip when we are debt free in 2013  !!!! We all want to snorkel with the manatees.
She has been great to work with, A+
  I just refigured my snowball, and found more money to throw into it, or rather I found out that there is going to be more than I originally thought.
I got my snowball down to October of 2014!! That is almost $49,000 of debt, including all loans except the mortgage!! And that is with us just buying a home, and it is not including bonus’ and the two raises between now and then!! Now, I have promised the wifey and kiddos that if we meet this goal, the reward will be a week in Orlando paid upfront cash!! My goal is to go there in Summer of 2014…BUT I do expect a couple of set backs in the mean time.
We have five kids, and we have two vehicles.
One is a 97 Plymouth Voyager that is running excellent for the miles and age, but you know how that goes.
I expect to need to replace it at some point.
Then one kid is 16, and another turns 16 next spring, so up go the insurance rates, and we’ll need to buy at LEAST one car, if not three by the time my goal comes around.
Then we have tuition to deal with eventually.
And, on top of it all, we are going to need some new furniture for the Living and Dining rooms for our home.
And on top of all that, we make an annual trek to see family once a year that is a 10 hour drive, and with gas prices…that is about $1,000 or more each year.
But I save up for that.
I gotta figure out where the cash for all of this is going to come from.
Like I said, I did not figure in two raises and the annual bonus’, so I suppose some of that cash will be available.
Kids may need to get jobs as they turn of age, which is probably a good learning tool.
Because of my job requirements, I can not get a second job, and the wife already works.
I suggested to my oldest son that he could start a auto detailing business at our home.
So, we are on goal, trying to get better!! — Keisha

Don’t the rates go up *only* if the kids have driver’s licenses? Meaning, it won’t automatically go up just because they turn 16…
Eldred — Raising money for Make-a-Wish!  Donation page at [MOD EDIT: URL removed]

People might want to look at completely removing their children from their insurance policies when their children turn 18.
We did this, and signed over their cars to them in their names only.
The insurance rates definitely went up, but it protected us financially if they got into a car accident or if they lent their vehicles out to friends once they left for college.
Kimberly

But if the kid doesn’t have a license, they can’t drive.
So why should that affect insurance? I know at least ONE family who wouldn’t let their kid get a license until she could pay for her own insurance.
That way it didn’t raise the parents’ rates.
Now that may just have related to that specific insurance company, which I don’t remember…
Eldred — Raising money for Make-a-Wish!  Donation page at [MOD EDIT: URL removed]

I’m afraid I’m not following you.
It’s not a big deal.
When each of my older kids turned 18, we took them to the DMV and we signed their cars over to them in their names only.
I then called the insurance company, and put their car insurance in their names only.
It obviously was more costly, but it protected our assets so it was worth the expense to us.
My 21 year old is with Esurance.
The policy renews bi-annually.
So far, they’ve progressively lowered his rates with each renewal.
He hasn’t had any accidents or tickets, so I believe these lowered rates are to reward him for not being a risk.
Kimberly