My cc debt is under the $1k mark. I actually owe $950 now. I hope to have it paid off by the end of March.


I set my mom's 2012 budget up. She has been begging me since the 1st of Dec. I have her set up to pay her HELOC off by Nov '12. Last year we focused on her CC. She paid them off in full and according to her budget. I have to give her credit that if I put the plan on paper she will follow it. I am going too really cheer her on to pay her HELOC this year. Then she will be left with her mortgage which I know she can pay off by 2015 (at age 58). Afterwards, hopefully she can spend the next 5 years aggressively saving for retirement.


Even though my mom has always had good credit and has always paid her bills on time, she has never been much of a saver. The past couple of years I have been talking to her more and more about retirement so she had been more interested in her finances. I am so happy to help her get ready for retirement.