now I hope that I can stay. I love reading all your entries, but sometimes I feel intimidated because I am not even close to doing as well as some of you in terms of my finances.

I do say that we are entering 2011 in a much better financial position. The garnishment is done. The payday loan is paid off. Those 2 things were huge in terms of reducing our income.

My goal for 2011, which coincidentally was my goal for 2010, is to get us in a better place financially. This means pay off the credit card bills, and start building savings. We still live paycheck to paycheck, and I want to get away from that.

I will post specific goals in a day or two, but I just wanted to pop in and say hi to all.