I paid off the smaller of my two credit cards today, the balance was a little higher than I thought but I still feel good for having paid the full amount.
I wasn't sure what the yearly charge is for my two cards, I found out that it's $48...my boyfriend thinks I should cancel at least one of the cards because of this yearly fee. I haven't made up my mind about that yet.

I have made the following plans to pay off my two credit cards:

$307.14 balance Nov 1st 2009
pay $107.14 on Nov 13 2009
pay $100.00 on Nov 27 2009
pay $100.00 on Dec 11 2009
Zero balance.

$305.68 balance Nov 1st 2009
pay $105.68 Dec 28 2009
pay $100.00 Jan 8 2010
pay $100.00 Jan 22 2010
Zero balance.

Then pay off my mom the money that I owe her.
$100 on Feb 5 2010
$100 on Feb 19 2010
$100 on March 5 2010
$100 on March19 2010
Zero balance.

Then my car loan will be around $6200
so if I keep paying $200 a month, I should be debt free in about 2 and a half years.

The money I owe my boyfriend...well I've talked to him about paying him back several times, but he would rather I start saving as much as I can for an emergency fund.