do you just count the extra income that goes towards snowballing your debt or do you think about it in terms of all debt you are paying off including mortgage, vehicles, student loans, etc...?

I am wondering because this morning I was thinking that we put about 16-18% of dh's income towards debt snowballing but in actuality over 60% of it goes towards our debts.

Just curious how each individual looks at this.

I see it as a total, too. We're putting (not including the house) about 45% of DH's income to debt. The great part is looking at how much that will free up for savings (!) when the debt is gone. :D I want to pay for everything with actual money from now on. ;)

Well all we have now are a van payment and the mortgage (yes, we have paid off everything else now), and I don't really see them as debt, more as bills. Although it will be awesome when the van's paid off and I do pay an extra $100 on it everytime I can find the extra.

Kerri