Wishing everyone a Thrifty New Year as well..where we all watch carefully how we spend our hard earned dollars.
What will I do different? Not much where month to month is concerned.
I am, however, hoping to do well at Tax Time (Oh man...I said it..can you believe that is already around the corner?). If I can do decent at Tax Time ...my 2012 financial goal will be to put a huge dent into one credit card that has spun out of control and caused us the financial problems we are having right now. We are getting by and I am proud to say that, but something needs to happen with that card and that is the reason it is the goal of 2012 for us/myself. The card got like it is for important, unfortunate reasons: Death in the family in 2010 and replacing an engine in one vehicle Summer 2011. Both could not be predicted and nope...we weren't ready financially. Granted, this has taught us some lessons on finance. But we have to start with getting that card paid down (and off) and then start a "real" savings.
Cheers to a New Year of Smart Financial Decisions!