My readers have spoken ... all three of you (thanks for caring, Mom)! I think we're all in agreement that I should not be messing with my retirement funds to pay off my debt.

Now, how to pay off that debt a little faster? Ummm ... well, I could take any of the following actions:

1. Rob a bank (Highly unlikely since I don't look good in prison garb)

2. Get yet another job (Not gonna happen since I'm already working two official jobs, plus various unofficial ones; and I do occasionally require my beauty rest.)

3. Win the lottery (Also highly unlikely given the odds and the fact that I keep forgetting to buy a ticket)

4. Sell my stuff to raise more cash (Hey, this might actually happen since I'm hosting a garage sale in a couple weeks -- come over and buy my junk if you're in the neighborhood)

5. Sell my plasma (This could happen, too, if I get desperate enough)

6. Sell my body (Uh ... yeah right! Did I mention I'm old?)

7. Cut back (Already happening ... we got rid of cable a while ago, we've given up the exotic getaways and gotten rid of the private lear jet. But, sorry, the hired help is staying for now -- wouldn't want to throw mom out on the street since Mother's Day is Sunday after all!)

8. Keep chipping away at the hulking pile of debt just as we've been doing (The most likely course of action at this time. One third of any extra income goes toward the debt -- in addition to our regularly scheduled payments.)

Feel free to send your own suggested action plans for paying off my debt. All suggestions will be seriously considered.