A few months ago we set a target of zero debt by April 1. Bills were creeping up because they only want a little each month then whack you with a huge bill if you want to move, the credit card had a debt, various other little bits were hanging around. So we set that target. And as of now there is no-one who can knock on the door and ask for their money. No-one. We owe nothing. Sure it starts again but starting from a clear point is so much better.