I am so ready to start this new year on a good financial foot. 2011 is going to be a "working" year for us. Even though we have been married over 6 years, we feel like we have wasted a lot valuable time we could have used saving and paying down debt. But sometimes you learn later on in life. At least we are getting it together now and we are on the same page.

I have been so excited about my new financial goals, I've been talking to my mom about it. Now she is on board with changing her finances. She's in her early 60s and has felt it is too late for her. But I convinced her she is not too late. She can save a lot of money in 5 or more years. The point is to get started! So now she's excited about her new goals this year. Saving is so contagious!!