Anyone out there have Chicago Cubs tickets to the playoffs? 'Cause this is the year they're goin', baby. Sure, the North Side Chi-Town boys haven't won the big one since 1908, but that just means they're due. Mark my words ... the Cubs will be shining their World Series rings before Thanksgiving.

The message here is persistence, jack. When you stick to something long enough and do the hard work to get it, it pays off. The same way as when you try to save money or get out of debt. If you're willing to live small-time and do the beans and rice routine, eventually you'll deep-six your debt, see?

Even if it seems like a long shot (and who would know more about that than the Cubbies?), keep at it. Don't quit, ever ... quitting is for chumps. If you need to get fired up to eliminate debt, listen to The Dave Ramsey Show. If that doesn't do it, then check your pulse.