DH and I started the year with a negative net worth-(-$21,800) to be exact. We will be finishing the year with a net work of $382 to the positive! I wanted to end this year with a positive net worth, even if it was only be a few hundred dollars, and we did it! Unfortunately, we didn't do quite as much debt pay down this year as I had hoped, but we did make progress, which is the important thing.
Next year, I just want to keep moving in the right direction. The mortgage and the student loans HAVE to go down, so I know we'll make progress there :p There credit cards are the hard part, but I know we can keep them going down too.
With DH's next paycheck (his 'extra' one this month since this is a three paycheck month), I am going to add $1180 to our emergency fund. This will put us at $1500. From then on, I want to add $110 every paycheck. If we get through next year without ever having to touch the emergency fund, we'll end 2011 with $4360 in it, which would meet my goal of having $3000 in it by year end 2011. Heck, that even gives us a little bit of buffer to still meet our goal in the event of an actual emergency!
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