with this being my first journal post and all. I really enjoy reading everyone's post and encouragement. The journaling seems to helps others, and I am hopeful this will keep me on track as well!

I have never been in debt before and am looking forward to getting rid of it ASAP!!! Its very stressful and time consuming.

We had fallen into the debt trap after we purchased our new home. It was larger than the last, so that means more furniture, landscaping, etc. And my other half doesn't like to wait, he has to have it NOW...My first step was to show him the amount of debt, and explain that we now have to wait to purchase his wants cuz I refuse to go any further!

I guess I'll start with my goals...
Short Term- 1-6 months
Get organized!
Pay off Credit Card #1 by end of July
Pay off Credit Card #2 by mid-sept
Up my 401k deductions back to 10% by Oct, currently at 5%
stash $1500 into our emergency fund by end of year.