I am finished with my Christmas shopping and I stayed in budget. Yay me!!! I will make a payment to my CC tomorrow, which will put me @ $1400. I have my goals set for 2012:

1. Credit card paid off by May 2012. I have a zero percent interest until Dec 2012.

2. Save 3-4 months of living expenses. (Currently at 1 month)

3. Get car loan to $4000.


2011 was a good year for me, I paid down about $8000 in debt without adding any new debt. I hope 2012 is just as good. My husband will be having a sleep study in January 2012 but our HSA will cover that. He will also need a cornea replacement but that will be later on in the year. I know we will definitely be out of $1500 for that, hopefully we will be able to cash flow that.


Happy Holidays....