When you open a new tab in Chrome, and most of the 8 "most visited" slots on the default tab display are taken up by banks, credit cards and the YNAB forum.
And when you realize that paying down debt has become one of your hobbies.
cc debt: $9794 at 0% interest (down from $23k @ 17% in July '12)
Set aside toward remaining cc debt + owed taxes: $2804
2013 interest: paid $79 (excluding property loan) / earned $4.44
2013 cc rewards earned: $225.89
Emergency fund: $300/$2000