Update 2

I'm going to have to find better titles for my posts - SO un-original! lol

I had to lay off the gym for a couple of weeks - HORRIBLE sinus infection/bronchitis - ugh. I got back to spinning today. I made it until the last minute, then I had to stop and blow my nose....sigh...BUT I made it through and it wasn't as difficult - only 2 weeks off.

As for the financial - the emergency fund is officially set up. I declined the ATM card :) and I placed it at a different bank where the account cannot be linked to my "normal" accounts. I've paid off 3 cards - 2 small (about $400 total on the two cards combined) and one LARGE one (about $3000). Felt REALLY good to get these done. As soon as I confirm the payments went through, I'll close them down.
I'm getting my tax stuff together - I think I've only had one year where I did not get a refund. I think I'm going to switch my witholding status as well so I can get a little more money each month. Even if I do that this year, I'll still probably get a refund due to my being in grad school this year.
I've got the next card "in my sights" - as soon as my tax refund comes through - it will be gone. Hopefully, there will be enough money to put on another card as well - it won't entirely pay it off, but it will take it down some.

I'm trying to get another friend of mine at school on the Dave Ramsey kick. She really needs it - much more so than I do. We'll see how it goes.

I still feel so much better about myself since starting on this path. It's absolutely the best decision I've ever made :) Thanks Dave!