Over the past couple of weeks I have really made a lot of progress in a lot of different areas. Financially, I have written and began to adhere to a budget. Additionally I have consolidated my credit card debt to one card with a zero percent rate lasting until January 2008. One bill. No interest. HAPPY!!!

I even know how much I can afford to spend on Christmas.

I feel so much more secure financially than I ever have been.

Next up, evaluating our progress on the budget and paying down debt.