well, found out why its been so dang hard to get anything paid off this year.
we're on our first baby step in Dave Ramsey's Total Money Makeover and have only gotten one small bill paid off.
Course the holidays make it hard to save a lot of money and such, but still, we seen dh has made about 6K less this year than last! that's like 2 months of no money! no dang wonder its so hard.
Living on the edge of disaster as it is and that makes it even harder. ugh. tax returns will be great in helping with this stuff. *sigh*