Thank y'all (yes, I'm a Texan) for the Welcome and Congratulations comments. I really appreciate it! I welcome your support and advice. This blog is going to be mainly about having a place to list my accomplishments as they come around, and to talk about the bumps along the road. So, the point of me saying that is to let you know that it might get boring at times so don't say I didn't warn you.

So, about my debt... Here is what I have:

Visa card - New balance before I paid $50.00 yesterday was $2,254.08. APR is 13.18%

Discover in my husband's name - (hereafter called Discover-D) New balance after I paid $103.00 yesterday is $5,040.00. APR is 0.00% for life.

Explaination of APR - Last year we got a credit card offer for a Discover Platinum Card where you could transfer balances and have a 0.00% APR for life. The "catch" is that after the introductory (12 month) period is over, you have to make two purchases (no minimum purchace amount) per billing cycle on the card.

Discover in my name - (hereafter called Discover-E) which I forgot to bring the statement for but the balance is around $7000. APR is 0.00% for life.

Same APR deal as the above mentioned Discover.

Bank of America car note - Principal balance is $6,972.79, payment is $311.55 per month.

So there you have it...my debt snowball items. The only other debt that we have is the house. The principal balance on the house is $131,127.75. We have a 30 year fixed rate mortgage at 6% and the payment is $1220.32 per month.