This article was fantastic. Thank you.
I was so inspired after reading The Billfold's archives the other day that I wrote a blog post on how I manage my budget! This might be helpful for some folks? http://jessicamcleod.blogspot.com.au/2012/04/budgeting.html
You can do it! And it will feel AMAZING. One piece of advice I have to to work out how much you are paying in interest each month. This was a huge motivator for me because THAT BANK WAS STEALING MY MONEY! Then you get the wonderful satisfaction of seeing that number steadily drop as you pay off your debt, and you get the snowball effect because more of what you're paying goes to the actual debt.
Logan, you can do this! My husband and I paid off $35,000 in debt (most of it mine!) in two years. And we still had a decent life. Now it's paid off and we put nearly the same amount in a savings account. Let Mike help you make a budget and you'll feel so much better!