I looked back at my past months' results and calculated that we paid off $35,122 in total debt this year. From looking at my CC debt in the sidebar, you would think $32,995 of it was credit card/personal debt. However, $4,274 was transferred from the CC category to the education category as I used excess student loan money to pay down my personal loan, thus increasing education debt and reducing CC/personal.

In reality, I paid off $28,721 in CC debt and $6,401 in mortgage and/or education debt.

I won't be paying off that much in 2009, I don't think; if I pay minimums only, we'll pay off about $18,000. But there will still be a couple of exciting milestones: Our CC debt will at least get below $30K, and our total debt should get down below $400,000 within seven months. If I figure worst-case scenario, those are the only two biggies that will happen in '09. However, that's not to say things won't turn around at some point during the year.

OK, I'm just babbling sleepily now. Time to watch a bit of TV and then get into bed!