My Debt as of 11/1/2011

Below is the debt that I've compiled over the last month or so.  It's not as much as it could be but it's a lot more than I want.  I could send all 3 of my kids to college with this debt and then some.  It's a shame that I wasn't more responsible and didn't look at my debt head-on from the very beginning. 
When I bought my house with my husband, I had paid off every single credit card.  The only debt I had at the time was my student loans.  That was 6 years ago and look what I've accumulated.  This is only our personal debt between my husband and I.  This doesn't account for the debt that my husband has in his business as well that is all tied to our personal credit as well.  Amazing, huh?  At the height of our careers to date, we were making $120k a year.  That has fluctuated dramatically over the last couple years but we've always managed to pay our bills without missing payments.  I fear if we don't start attacking this debt now and living on even less, something will catch up with us and we will fall behind.

I continue my goal of being debt-free and I'm still working Dave Ramsey's plan but reading up on any other people out there with sound advice.  I've got $350 saved for baby step 1 so far:

 

	Balance		Payment
Citimortgage	$282,100.21		$1,857.22
Tax	$6,072.00	$506.00	$545.72
Home Insurance	$1,127.00	$93.92	$93.92
TD LOAN - 7.74%	$52,515.83		$397.16
Honda	$29,604.98		$475.74
GMC	$6,000.00		$592.45
citicard - bd 15.99%	$19,665.43		$463.04
chase card - bd 14.24%	$19,218.27		$427.00
aes 1-3.125%	$4,248.85		$73.40
aes 2-4.375%	$2,323.45		$86.27
AMEX 1-3.99%	$2,898.67		$58.00
AMEX 2			$82.00
AQUA	$0.00		$50.00
PECO	$0.00		$315.00
GAS	$0.00		$200.00
DAYCARE	$0.00		$1,600.00
SEWER
TOTAL	$425,774.69		$7,316.92

So now it's out there.  I've taken it out of the closet and my secrets are out.  I need to start doing something about this now!  I'm slowly getting my husband on board.  I know once I make up my mind, it's tough to change it and hopefully I don't get side-tracked with the holidays.  So far, so good.  I think my husband is starting to see it my way but he still has his doubts.  Until I really started getting tired of being afraid of facing my debt, I didn't believe we could fight our way out of this either.  I know that we can now, so I'm willing to be patient until my husband sees the same thing!