Restarting life

I have three debts that I am trying to iradicate in order to be able to better prepare myself for future saving plans.  My overall goal is to start a college fund for my two kids Andrew and Erin, ages 8 and 6.  I figure if I start now, I should be able to accumilate enough savings to be able to help them out in the event that they want to and are accepted to continue their education.

Over the years, I have had a gigantic budgeting problem.  I DIDN'T BUDGET AT ALL!  Three years ago I identified this and flipped my fiscal resposability around.  In 3 years, I have destroyred aproxamitely 12k of debt.  I started with the smaller little bills that I could vaporise quickly so I could just get them off my negative credit listing and start rebuilding my terrible credit score.  Unfortunately for me, I am now tackling the larger debts and they are not reducing as fast as I would like.

I have 3 different types of debts.  Two loans, one personal (to consolidate other payments), one auto loan, and one consumer credit card that I basically lived off of for a couple years after my divorce.

The auto loan has approxamitly 5k left on it and I would really like to get it down to zero so I can move my car payment into a new car savings account and reduce my insurance payment at the same time.

My personal loan has a higher interest rate and I am looking to get rid of that simply out of principal.  The remainder on that is roughly 4k.

The largest pain in my backside is my credit card.  It's a card for use only on military instalations and I lived off of it since it had a 0% to low interest rate.  Since it has taken me so long to pay it off, the 36 month grace periods are over and the rate is roughly 19% (OUCH!).  I have regular payments automaticaly covering more than the minimum payment and when I have extra monies available, I put down what I can but this thing is not going away any time soon.  With a balance of close to $5200, it is a significant burden on my shouldars that I need to get rid of.

I have paid off all other forms of credit cards, destroyed them and closed my accounts.  I have increased my credit score by over 60 points in the last 18 months alone.  I am on the right path to starting over but I am needing some help during these crazy economic times.