AS student loan payment finally processed (I sent it in on the 2nd, but the company takes a long time to post updated numbers online). $53 went to principal, so that's $2145 down, $380 to go on our October goal.

A payment came in from an eBay sale and I was able to put all $100 toward short-term (I call it "fun-money") savings, since we won't need it to hit our debt-repayment goal for the month. I put $25 into various savings goals and $75 into our Halloween party fund. We want to kind of go all-out for our party, but only up to the point we can pay for it; nothing will go on credit cards.

Speaking of Halloween, we've just started Week 3 of our 4-week workout plan, and we're so pleased with the results so far, we're already pledging to continue our five-day-a-week regimen to Thanksgiving. Just like with debt reduction, it helps to think in short, manageable goals rather than the overwhelming big picture! But here's hoping we form a habit that lasts awhile.