As of today, 16 May 2010, I have three kinds of outstanding debt (credit cards do not count as they are paid off in full every month).
1. Mortgage at 5.00% interest (refinanced in Feb 2010): approx. $104 K
2. Student loans at 2.125% interest: approx. $18.5 K
3. Car at 4.75% interest: approx. $8 K
Total debt: approx. $130.5 K
Goal #1: Pay off car within the next 12 months or less.
Goal #2: Pay extra on my mortgage to build more equity, currently paying $100 extra each month. Just switched my homeowner's insurance policy to a new company to save approx. $130 each year.
Goal #3: Put additional money in the HSA account to fund the rest of my deductible for this year.
Goal #4: Get 3-6 months of expenses in savings for an emergency fund.
I think that's enough for a start.
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