I started reading Dave Ramsey's book "The total money makeover" about 3 weeks ago and am now doing an envelope system along with the debt snowball. I am liking what I am accomplishing and how good it feels to know that we are only a few short payments away from being debt-free besides the mortgage.  I have a budget already worked up for February and feel confident we can stick to it.  Its not like we have a ton of debt but I just want to start saving for the future since we only have a little bit saved.  After the debt snowball we will have more money to put in to our Emergency Fund (EF).  I am working getting our EF up to 6 months worth of expenses so in the event DH gets injured or worse laid off we have enough to cover the basics. 

I am working up a budget for Allie so that when she gets her job and apartment she will know what to do and not get into debt trouble.  She is expected by her father and I to read the Dave Ramsey book too so she can understand the long term goal of life, and that is to retire with dignity and the only way to do that now is to live like no one can so she can live like no one later.

Nathan and Olivia are still very small but they are learning right along with DH and I.  I want them to be good stewards with their money and to be able to share it with those less fortunate.

Well thats about all for now,

God Bless you all in 2008

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