0 - only current debt is the mortgage...which is fine. We are now focusing vigilantly to pay that off as fast as possible.
The law going into effect to rasie minimum payments is for the best. Credit card companies were shafting people by making the payments so low that you would never have it paid off...not even paying the interest. But...you should be paying more than the minimum anyway.
We use our credit card as if it was a debit card. Actually...a good habit to get into is to deduct the amount spent on a credit card from your checking register...keep track of it in another section of the register. That way you know it's covered cause money you've spent isn't showing up in an available balance.
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