OK, so I figured out how I'm going to "save" for my trip to England while putting the money toward debt instead of actually saving: I'm just going to make sure I pay off an equal amount to what I think I might pay (worst-case scenario) for the trip.

I'm saying the trip will cost $5,000, even though hopefully it will cost less. It's in nine months, so I have to pay off extra debt to the tune of $555 per month between now and then.

Right now, I pay off an average of $1099 of debt per month. Thus, for the next nine months, I have to average $1099 + $555 in monthly debt reduction, or $14,886. (I've already added the $5,000 to my total debt, even though it's hypothetical, and will treat it as real debt until the trip, so I'm under no illusions as to what I have to do.)

Next entry: My starting point of debt.