This is my first blog. I've wanted to start one but just never took the time. I decided to start the year off right and use this forum to try and keep myself focused on cutting out the debt in my life.
A little background on me, I moved from Philadelphia to Nashville for my job, just about 2 years ago and after a year I decided to buy a house. I had most of my debt cleared out except for my car and a very small amount of cc debt. Once I closed on my loan and moved in I found I "needed" a lot, I'm saying "needed" but of course it was really "wanted". I controlled myself for about a month and a half, but after living for several years very frugally, I went nuts hence the following debt breakdown.

Mortgage = 109,910.14
Car Loan = 17,429.56
Loan 1 = 12,465.04
CC debt = 8266.65
Loan 2 = 4449.85

Total = $152,521.24

Seeing this in writing makes it seem much more real, I seem to have allowed myself the luxury of managing my money (if you can call this fiasco managing) in a haze. How I could rack up that much debt in that small amount of time amazes me. I am determined to dig myself out of this hole and back to a much saner lifestyle.
I've started my emergency fund and created a budget so I feel that I am at least on the right track.

I took an extra part time job in Oct in order to get the debt paid off faster and I had already paid a few small cards off using the snowball method. My plan is to use that same method to pay of the remaining cc debt and then move on to the 2 personal loans. Finally addressing the car note and the mortgage.

I'm going to continue to read the other blogs for inspiration and keep plugging away.