Goals

I need some sort of incentive to stick with this, so

Short Term Goal
To reduce total debt to 12,000 by January 2007

Short Term Reward
Reinstate gym membership when I reach 10,000, hopefully by March 2007

Long Term Goal
To pay off total debt in 2 years, my 30th birthday year.

Long Term Reward
Guilt free graduate education, to be done with the debt would free up my time and energy to devote to bigger and brighter things.