Yay! Things are going well.

1) - We maxed out DH's SEP-IRA, and contributed the max allowable to two Roths on Friday.
2) - Today, we signed the docs on our new re-fi'd loan. Fixed rate, 4.25%, 15 years, 1 point.

We have a 6 month E-Fund, credit cards are paid off, the only outstanding debt are the car loans and the mortgage.

I've also managed to squirrel away a fair amount of $$ in my personal savings accounts, since I've been limiting the cash I carry, and I am not using the debit card. I have a written budget, and I log my daily expenses to keep an eye on them throughout the month.

I also set up an auto-transfer to ING Direct for a savings account, and I'm making max contributions to my 403(b).

It's amazing - 6 months of paying attention, and things are really working well. I'm happy.

Sandi

That's so great. It's so nice to see results with our efforts isn't it!?

I hope I can be in that position in the next two years or so.

Congrats and You're an inspiration!!