reduce our debt by at least 25% in 2008

We shifted the debt by refinancing our mortgage at a super-low rate & taking out cash to pay off the cards & some other debt.

In the process, an appraisal told us that our home is worth $40,000+ more than we paid for it 3.5 years ago, despite the sluggish market. That’s encouraging.

Also, we have been much more thoughtful about purchases & haven’t been racking up new debt this year.

Yay!

to my “reduce monthly expenses” goal. But we could also whittle down our debt by taking on more or better-paying freelance projects. Over the next few days we’ll be working out a strategy to try to make this happen.