Merry Christmas Everyone!

I have decided to explore and learn about investing our money so it will work harder for us.
My future goal has not changed, I still want to pay extra principal to our mortgages.
However, after reading up in the Personal Finance Forum about whether to pre pay a mortgage or invest for a higher return,
I have decided to invest instead.
Savings update: I transferred $500.00 over today. I will update when savings reaches $15000.00. I have $5000.00 to go...
Thank you to Disney Steve for commenting on my new blog and pointing me in the right direction.

Merry Christmas to All!

Hi Everyone!
Thanks in advance for any advice or comments. And thanks for any encouragement. I tend to get depressed about debt.
Just to update everyone:
In the past 2 years we paid off $14000.00 in consumer debt and auto loans
Time to tackle the mortgage debt.
Goals:

1. Pay down our Primary before the loan resets in 2011. We owe about what homes are selling for today. Not sure of the future, but I want us to pay this debt down as much as possible! GAWD We put $100000.00 down!

2.Get rid of that PMI! I need to pay down 1 mortgage about 15K for this to happen.

Ok, here are the numbers:
House 1: $296050.00 (Primary)
House 2: $178925.67 (Rental)
Rental is 30 year fixed @ 6.0%

For this pay period, before any bills or expenses, the money in the checking account is:
$3223.54.

Bills due before next payday on 1/4/07:
Ace Parking: $40.00
T-mobile $63.17 (due 1/4)
ADT Alarm: $41.47 (due 1/4)
Mortgage on primary: $1110.22 (late after 1/16)
Other expenses:
FOOD, GAS

My goal is to save $500.00+ to savings and send between $600-$900 to the Primary mortgage.

Other debts:
$1800.00 on Citi Credit Card @0% up April 2008. Minimum payment is $27.00.

MMA Savings: $9569.85
Penfed 3 year CD: 1075.00 @ 6.25%
State Farm Mutual Fund: $1200.00
No Load Fund(father was an agent) I may convert to no load Roth IRA in 2008.

Retirement Savings:
We both have Calpers pension plans.
The money is deducted from our paychecks through payroll.

We both also contribute to Calpers ARSC.
This allowed us to buy 5 additional years
of retirement. This is also deducted from our paycheck through payroll.

Other retirement savings: ICMA is a government sponsored program that allows us to have money pretaxed from our paychecks and the money can be invested in whichever funds we choose.
Goal in next 2 years is to increase the amounts we contribute to 10%.