Sorry, it has been awhile since I entered my thoughts. Thanksgiving and family have made it really busy lately. We are in step #2 of the Dave Ramsey series and are just realizing how difficult it may be to meet the expectations the program lays out for success. We have found out that it is nearly impossible to start a budget in Dec. due to the Christmans season and the purchase of gifts for our kids and others. We have gone throught a rough draft of a budget with the margins being very small if non-existant. I did not receive my extra income this month due to the timing of the adjustment to my 401K distribution. Starting in January I will receive approximately $240/mo that will go directly to our emergency fund until we have $1,000 in that fund. At that time, we will use the additional income to service debt and other living expenses. My wife will continue to contribute to her retirement fund so we are not completely cutting off our retirement planning. As of now, I do not see much success this month, with the holidays and all going on. Hopefully January is another month where we can really buckle down and make some progress.

Hope all of you had a wonderfull Thanksgiving. God Bless