We, too, are trying to get debt free. The whole Recession/Depression phase our country is in finally woke my husband up to the fact that we really need to do this (even though I'd been telling him for a few years that we need to tackle our debt). Our student loans were paid, so that wasn't a problem, and we own a 2002 car and a 1995 truck that are paid for. My husband's job supplies him with a car (sales), so he has a new one to drive.
Our debt came because we bought a new house that was only half finished. It's small--1650 square feet--and we had to get the basement split level finished/second bathroom done as our daughter grew older.That money (which was all on credit card debt) went into a home equiline loan. I was NOT happy about taking out that loan, specifically because it did NOT curtail my husband's use of the credit card.
We took out some money from my life insurance policy to pay off my credit card debt ($5000), and my card is only used for absolutely essential Internet purchases (ours and our animals' supplements). We write down how much was put on the card and that amount is paid when the bill comes. Period. We paid that card off last fall.
My husband fell and broke his leg/had a tibea plateau reduction surgery the end of August 2011. While home recuperating for 2.5 months, he did some deep soulsearching and decided he was finally done living in fear and debt and paying someone else the interest. We had some money from his signing bonus with his new job, so we put that on one of his credit card bills and paid it off ($5500). That was in Aug 2011.
My husband still has one more credit card debt that needs to be paid off ($5000). We are looking at a fairly large tax return this spring, for a number of reasons, so that is the FIRST thing that will be paid off when we get our money back. Then I have to literally put a noose around my husband's neck so he quits using his credit card (and it's for dumb stuff; needing a snack at the gas station, had to get lunch, needed this or that at the hardware store. It's all small change stuff that he could take cash out of the bank for instead of putting it on a credit card. And I wouldn't mind him using the credit card--if he would just keep track of his purchases so that we have the money to pay the card off IN FULL when the statement comes. Sigh. Men).
Once we have the credit card debt paid off (and hopefully, the cards will STAY paid off--I think my husband is finally committed enough to actually try), we will only have our mortgage and our equiline loan left that we have as debt. And the equiline loan will be our next big target we'll be attacking.
Otherwise, our monthly bills include: heat/gas/electricity; phone/Internet/cell phone; life insurance and college fund; 2 gas cards for autos, of which only my car should be having gas put into it, because my hubby's work pays for everything for his work car. And both cards don't necessarily get used, it depends on what gas station is around to use; auto/home insurance; hubby's credit card; Equiline loan; Mortgage; and an extra Waste Management bill for garbage (over and above what we pay through our taxes, as we have more garbage than what we're allotted). We used to also pay for Dish Network but got rid of satellite ($20/month) and went with Netflix ($8/month) and bought a TV antennae so we can see the local HDTV channels. We run the Netflix off our Wii.
The only upcoming expenses we know we'll have coming up for sure is to have our sewer line repaired (the company that repaired it two years ago failed to glue one of the joints so that tree roots get in and we have to rotorouter every year; the company refuses to fix it or meet us halfway on the cost of fixing the problem. So we'll get hit with the entire bill; probably $3000 or more) and we'll have to replace our car, which will mean another monthly bill.
I wish we had as much available per month as you do to help us pay down debt even faster, but we don't. But we are happy to be in the situation we are in and can finally see the end in sight. It feels good to not have so much debt!