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....

I have made some progress on my CC. YAY ME!!! CC#1 balance is currently at $1688 and CC#2 is still at $1450. I plan on paying $250 to CC#1 on Friday. CC#2 is currently at 0% until Nov '12 so I've decided to pay the minimum monthly payment and then make a big lump sum payment in Oct'12. That way I can pay extra on my car loan. Other than that, I am continually trying to spend less as possible. I did buy me a new pair of Levi's yesterday at a discount store that recieves all the extra's from Dillard's, J.C. Penneys, and other major department stores. Considering I am 5'9" size 4/6, finding a pair of well-fitting jeans for $9 is a bargain.