New Year's Resolution and Plan

So things haven't been going so well, on the job front, or the debt reducing front. In fact, we fell off the wagon and used our credit cards more than we should have :(

It's depressing, stressful, and disappointing.

But, we have made a new deal, and will be starting over with a new plan.

I've decided to try Dave Ramsey's Total Money Makeover.

Baby Step One:
Save and Emergency Fund of $1000 FAST.
Check. We had been saving up for a vacation, that turned into our emergency fund, since we really can't afford to go on vacation anyway!
So that will be going into our ING Savings Account so that we cannot touch it so easily.

Baby Step Two:
Debt Snowball
And boy do we have a lot of it.

When I finally finish arranging our debt snowball chart, I'll give you an idea of how bad it really is.

As well as our budget, but that shouldn't be bad! It should be good for us :)