There is so much to be grateful for, and I am.
I have flirted with living debt free for about 4 years now. I even got pretty darn close once, but it is a total commitment and a slippery slope once you falter. I am now doing it and this time it is very much for real. My debt free date is 12/12/12. Although I will not be putting detailed numbers here I can tell you that this is definitely going to require sacrifice on my part. I am willing to do what I have to do for now and live like no one else, so that later I can live like no one else. :-)
My 2013 goal will be a fully funded emergence fund (FFEF) and that will be another 12 month proposition. I am a believer in Dave Ramsey and his Total Money Makeover and that is the program I am using.
Life is good....and I am grateful.
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