It is amazing what I DID NOT accomplish this year. I've spent some time thinking about it. Did I not do things because I'm not ready? Because I'm not strict/responsible enough? And honestly...I don't know the answer. Maybe both mixed in with the fact that I am an emotional spender. I am very aware, I just don't do what I need to do. And sometimes I just do the wrong thing anyway.


My family came into town for Christmas. And I spent money that I didn't have. I am aware. I un-did the work and progress I had done. This is really something I need to plan for in the upcoming year. But I really enjoyed them being here.


I am choosing to continue this journey. I want to be out of debt. This is the truth. So I will update my numbers and regroup. As we come to a new year, I have 3 main goals:

* Pay off Debt - Scheduled to be by March 2015
* Coupon - Use coupons or other savings as much as possible
*Reach $1000 in Savings from Payroll

I will just take it a day at a time. And hopefully I can really evaluate what I'm doing before I do it.

Here is to a Happy, Healthy, and Financially Good 2015.