OK, I've updated my info with scary, scary new numbers, and made a new payment plan that incorporates the minimum principal we all typically pay in a month, plus $555 to pay down principal in the proposed amount of our spring '08 England trip (figured into our debt as $5,000 estimated future debt).

I'm calling it The Ad Hoc Plan, because hopefully I'll be able to switch to a more aggressive plan once I find out what NT's going to bring home once he finishes the temp-to-perm transition (which feels like it's taking forever!)

The new goal is to pay off $2,185 of principal per month through March 2008. We've paid $1121 so far in August, so we have $1062 to go by 8/31/07.