You would think that 9 years of college education, with several courses in personal finance, accounting and general business management, that I would maybe be a little smarter with money. During my early 20's, I poorly handled my financial life and now, in my later 20's, I'm having to clean up some of the debt I incurred while pursuing my doctoral degree. 2009 found me graduating from graduate school and beginning an internship position (read: cheap labor), but I was determined to knock out debt and have an emergency account in place, a la Dave Ramsey. Grade for this effort (remember, I've been a perpetual student, everything is graded) was a B-, I did okay. 2010, is going to be full force. So, in the interest of accountability to all 5 of my readers (I'm still semi private for multiple reasons), here is the beginning stats and my goals. I plan to also list out what I'm doing to reach my goals and any money saving tips you've got are welcome. (While I also pay for much of the boy's expenses, I'm leaving his debt out for now. I may add his in later as my debts are paid.)

January beginning worth:
Emergency fund: $450.00 cash
Savings Account: $127.50

Total Debt:
Wells Fargo Credit Card: $3453.85
Compass Credit Card: $5219.33
Citi Credit Card: $20,395.82
Student Loans: $207,416.30
Total: $ 236,485.30

If anyone knows how to add a running total ticker to the sidebar, I'd love to have the instructions. Thanks!