2011~Our Year of Austerity

We decided to make 2011 our year of austerity. Since purchasing our home two years ago, we haven't been on a written budget and our lack of savings/mortgage reduction progress proves that. Fortunately we found Dave Ramsey way back in 2002 so we haven't had any non-mortgage debt since 2004.

We refinanced our home down to a 15 year fixed rate mortgage this summer and have a plan to have the house paid in full by the end of 2015. Big goal but very doable with no other debts.

I am a terrible blogger. This blog has been idle for a couple of years now after just a few entries. But this is my second post of the day so I have doubled the number of entries in my blog in one day. Looks promising right ;-) Anyway, I need to stay motivated so that all the goals we have set are accomplished by year's end. Hopefully blogging our journey will help keep me motivated.