If you paid off the cc would that set you up to make higher payments on your mortgage sooner? What I have come to realize is that if you are given the opportunity to pay something off it really helps both short term and long term. It increases your net cash flow each month, allowing you to use that extra money either for debt, savings, or emergencies. Thus in the short term it makes you more flexible. In the long term you can take that flexibility and leverage it to pay your debt off faster. Not only that, but the emotional fix you get from paying something off is a good motivator to keep you trucking onto the next thing. Another thing to consider is that when you do something like taking this opportunity you are kind of shaking things up a little bit for yourself. One of the things I have found that demotivates me over time is constantly sticking to the same thing over and over without any change. If that change is positive it could help motivate you to continue on more. Just make sure its positive! Good luck!
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