First thing to getting rid of DEBT
The first thing you need to do to get rid of debt is to mark down everything you owe, including your mortgage. Shopgirl said it in another post and I totally agree with her. You sometimes thing you know what you owe until you write it down. Once it's written down, your usually in for a surprise.
Get a journal book and keep track. If you want, you can even post it here, however that's not needed. As long as you know.
Also, when keeping track remember a payment doesn't mean your amount owing will come down that amount, unless you have 0% interest (our van has 0%). You have to wait until your statement comes in to find out the amount left owing.
Start now and make this a work in progress over the next few weeks.
More to come to help you get rid of debt....