Update

I need to change my debt total. It is not accurate. I actually owe more than what I was reporting. I don't know why, but for months I was not counting certain bills as debt. Like, when I had to get the siding replaced on my house five years ago. I certainly did not have the money to pay for that in cash, so I had to finance the replacement. I had put off getting the siding replaced for years as it were at the time; the boards were literally falling off the house.

The financed amount was not through a Home Equity Loan, but it was a financed through terms that make the payoff in about ten years from the date of orgination. I need to put the remaining amount on the sidebar to accurately reflect how much I owe.

I am also thinking about adding what I owe on my vehicle to the sidebar as well, since that is debt that should be paid in Baby Step 2. The only reason I hesitate is because once I have that big of a number to look at, I am not sure if that will really motivate me or if it will just because overwhelming.