Welcome, and Congratulations on taking the first steps! Listing out your assets, and debts is a good first step.
You have debt, but your highest interest debt is 6% - many people are in much worse shape. Read MMM's post, and decide if you have a
Hair-On-Fire-Debt-Emergency.
You've identified you have some work to do. The top 3 things to do are probably:
1) Establish an emergency fund (EF) of 3-6 months expenses in cash.
2) Start paying off the 6% personal loan.
3) Contribute to your company 401K up to the company match (if any).
Once you have a plan-in-place for tackling these first 3 issues, consider posting a full "
Case Study" (see the forum 'sticky topics' for instructions) to get more detailed help, and money saving ideas.
Again, welcome, and here's to financial freedom through badassity!