My goal: I want to be out of debt (sans mortgage) in a year or so, at least by tax time 2012.

In September, I noted that I'd been backsliding in my get-out-of-debt plans. It's almost exactly four months later. While I haven't exactly knocked off four percentage points in my debt-to-mortgage ratio as I need to, I have improved a bit.

As of today, my debt-to-mortgage-debt ratio is down 30.82%. That's down about 11 percentage points in 4 months. While short of the nearly 16 points I'd hoped, it is still moving in the right direction.

With that in mind, I'm setting my sights on knocking off the remaining 31 points or so over the next 12 to 14 months. That's between two and two-and-a-half points per month. I think that's more realistic for me.

That means that before tax time (April 15th) in 2012, I want to be completely out of debt except for my house payment. No auto payment. No credit card payments. No other loans.

I'm going to once again try reporting monthly to this 'blog, even though I slacked at this last time I said I would.

This is doable. Here goes...