Thank you all again for the advice on what action I should take on which debt to pay off first (post of 7/13).

I have decided to put all extra money toward the personal loan that is at 6%. I like the fact that it is not revolving debt so once it is gone it is really gone. While we are not using the CC at all and have not been for a long time there is still the possibility hanging there.

The other factor that decided me was that I also realized that if I can get that personal loan paid off by January 2009, I can always get my credit union to grant me another personal loan to transfer the balance that remains on the CC which is currently at 0% through the beginning of February 2009.

So, I will keep the ticker running on the 0% CC, but I will be adding one for the Personal Loan since that will now be my new GOAL. The personal loan is not due to be paid off until the end of 2010, so I am hoping to pay this off 2 years early. *fingers crossed*