I’m so excited for this year. We don’t have a whole lot of debt (Ha! If you completely disregard the education loans which we have a significant fortune owed and still accumulating thanks to Kai being in graduate school.) but with crafty budgeting and using a snowballing payment system we will finally be able to pay everything off by the end of 2014! Barring any horrible catastrophes, by the end of the year we will have zero credit card debt and own both of our cars. I know I don’t have to tell you that’s a significant chunk of change each month that we will be able to save and it will be a huge relief.

What are you thankful for today?