The U.S. mortgage hit, with $275 going to principal, and one of AS's student loan payments, with $55 to principal. $330 total.

$678 down, $1422 to go on my March goal.

I love the first few days of the month for all the little payments that chip away at my debt!

Our UK mortgage payments hit: US$348 went toward principal. NT's mortgage interest rates are at 1.99%! They keep lowering them. The payments keep getting smaller yet the amount going to principal keeps growing. It's kind of amazing. I wish my U.S. mortgage was that kind of variable.

$1752 to go on my March goal.

Today is my birthday! Along with Dr. Seuss, Sam Houston, Jon Bon Jovi and Lou Reed.

March has become a month of anniversaries of new beginnings. AS's birthday is this month, and NT's, and two of our moms'. It's also the month I started my current job, as well as the job I had before this one. And March is the month I really threw myself into decoding my financial mess and getting on a path to recovery for good.

This month looks like it's going to be especially festive: Dinner out tonight for my birthday, takeout at our friends' place Wednesday for AS's birthday, a party for AS (it's her 30th so we're making a big deal) on Saturday, leaving for Vegas on Friday the 13th, seeing our friend from New York for the first four days of the vacation, St. Patrick's Day that Tuesday, NT's birthday that Saturday, and--when we get back--sending out the packet to the government to ask them to lift the conditional status on NT's permanent U.S. residency.

That said, I've decided to give myself a freebie month in terms of goals. If I do healthy, green, craftsy or philanthropic things I will take note of them, but if I don't it's OK too.

For my debt-repayment goal, I want to pay off $2100 of debt again. And for my savings goal, a modest hope to save $540 toward the baby/emergency fund.

February was a partial success for my goals:

1. I exceeded my debt repayment goal by $53, for a total of $2153.

2. I exceeded my savings goal by $957.28, saving $1375.28.

3. I worked out 10 times (just 2 short of my goal), and ate fresh fruit 20 of the 28 days (I was going for every day).

4. So far, we've replaced every product we've run out of with something greener, whether it's a homemade product or something storebought. Our main focuses are reducing packaging and number of harsh ingredients.

5. I completed weaving a piece of fabric out of yarn on a cardboard loom. However, I decided to leave the planting of basil and cilantro to another month.

6. I didn't do much research on philanthropic opportunities, but I did start collecting food for this month's food drive, checked my eligibility for the blood drive (not eligible), and several people brought us more eyeglasses that we'll donate next time we go to the mall.

Overall, a partial success, but considering it was such a short month and I was sick for the first week, I feel good about my progress.

My automated biweekly savings deposit of $25 hit. I'm putting this into the baby/EF, bringing it to $2,358.46. Almost a quarter of the way toward our overall goal!

I realized today that once I pay off NT's UK credit card, I can start saving all the extra rental income in his UK savings account and count that toward the EF/baby goal. It's perfect, because we can get to it within a couple of days, but it's not so easily accessible that we'll be tempted to dip into it. Since my 2:1 savings ratio is a bit off (but I want to be consistent across all my record-keeping), I'm going to make my goal $11,000 instead of $10,000, and that should handle any shortfall from my outdated exchange rate calculations.

What that means is that soon, extra funds will be freed up in our U.S. account for saving toward a modest fall vacation and for paying off debt a little faster.

One of AS's student loan payments hit, and $114 went toward principal. My goal was to pay off $2100 in debt in February, and I paid $2153! It was touch-and-go because I forgot the month was only 28 days long and so some of my payments that I can squeak in on the 30th or 31st won't come due until March 2 or so. But I made some extra payments and we got there.

As for my other goals, I worked out last night, bringing my total to 10. I know I won't be able to today; we're rushing home to dinner and then rushing right out again to a party. And tomorrow is a full day of haircuts, grocery shopping and another party, so I don't know if I'll be able to get even one workout in. But, at least I tied my number of workouts from last month, and I was sick the first week in Feb., so I don't feel too bad.

The planting of basil and cilantro, I'm not going to get to. It's just been too cold and snowy recently to contemplate rooting through the balcony closet for soil and pots. NT pointed out it would be better to wait till after our vacation anyway, so they won't have to fend for themselves for 10 days early in their lives.

So of my six goals, it looks like I'll have three complete successes and three partial successes. I'll do a wrap-up this weekend to go over everything in more detail.

The regular payment to the UK credit card hit: $38 to principal. (That sucker is definitely getting paid off as soon as we get back from Vegas in late March!)

$2139 down, $61 to go. Soon, very soon! Time to go work out now. I think I'll try Dance Dance Revolution on the Wii and see if that gives me a good workout--I've never tried to play it for a full half hour before, but I hope it works up a sweat.

I cracked and sent an extra payment to my personal loan to make sure I hit my February goal. $106 went to principal. I took it out of money I would be putting into my emergency fund, but they're both good causes.

Speaking of EF, I was looking at my spreadsheets and getting all excited that I'd have about $1500 for the EF in April. Then I suddenly remembered we'd have to pay something for NT's adjustment of status for his U.S. residency in late March/early April. Went to the USCIS (formerly INS) site to check the fee amounts. Grand total: $545. Yikes! Love is expensive. But at least it's coming at a time when I had extra money anyway, and I'll still get to put about $1000 to Ef in April.

Anyway, back to my February goals. $2,001 down, $99 to go on the debt repayment. Student loan should hit tomorrow and finish this goal off.

I missed one more day of fruit since last time I wrote, but I've worked out three days in a row. So it's 9 workouts done, 3 more to go to hit my goal. We'll see; Saturday is going to be a very full day but I'll try to fit one in. Friday there's a party so I don't know if I'll have time. Tonight I should be able to get one in.

On the replacing products with green ones: We found a loofa. Too bad it came with another plastic shower scrunchie. Oh well, we'll use that up and next time we need a loofah, we'll hold out till we find one that comes on its own.

Several more food items and eyeglasses collected for March donation!

The stimulus will help us financially in several ways:

- $25 more per week in unemployment benefits for AS, probably starting in late March.

- $30 per month extra in NT's paycheck and $30 per month extra in my paycheck, beginning maybe in June.

- A $2500 tax credit instead of $1800 for NT's Hope credit, about $60 per month. We'll see this benefit in our tax refund for 2009, since I can't figure out a way to just decrease my withholding $60 per month. Also, I think I read that he'll be able to take Hope credit beyond just the first two years of college.

- First $2400 of AS's unemployment pay won't be taxed. Not sure how much this will pan out for us dollarwise, but it will make her refund bigger next year.
Edit: Here's the wording: "The new law also makes up to $2,400 of unemployment benefits tax-free. If you received jobless pay in 2008, however, the full amount is still taxable on your 2008 return. The new break applies only to benefits received in 2009."
SOURCE:

Kiplinger's.

- AS unemployment benefits extended. She could basically stay on unemployment through the year if needed. I hope it doesn't come to that, but jobs in her desired field are virtually nonexistent right now, and she's thinking she might try to start or work for a sewing business in the meantime. She talked to unemployment and knows how to do this while still having benefits during slow times, so this may be a good fix to bide her time waiting for an ad job (or it could be a start in a whole new direction; who knows?)

We are probably going to spend AS's increased benefits on some kind of car-sharing or car-rental deal. The other parts of the stimulus I will put toward the emergency fund.

Have you figured out how the stimulus will affect your income? If not, Kiplinger's has some articles that lay it out very clearly and specifically.

An extra payment to NT's UK credit card hit: $603 toward principal! He now has just $600 in CC debt to his name, and I should be able to pay that off by late March. I'm so excited that two out of the three of us will soon be free of credit card debt! And I will finally be able to add to the Old Debt Graveyard, which hasn't had any new residents in ages.

$1895 down, $205 to go on the debt repayment goal.

Oh, and I completed my weaving project! The fabric turned out much smaller than I intended it, so I'm not sure what I'll be able to use it for. But at least I did something sort of creative this month!

I haven't missed any more days of eating fruit, and I will be searching for a loofah at lunch today (thanks cptacek for the suggestion!). Also, we collected two more items for the food drive. (I've been buying one item each time I'm at a grocery store, so it doesn't seem a financial burden but I will have accumulated quite a little pile by the deadline.)

Day before yesterday I missed another day of fruit, but yesterday I had some, and I brought a banana to work so I wouldn't forget today. So far I've remembered 12 days and forgotten 7. At least I'm having fruit more than half the time! It's not stubbornness, just forgetfulness, that's keeping me from meeting this goal.

I worked out on the Wii yesterday, so I'm halfway to my workout goal. I won't be working out tonight because I'm going straight to happy hour after work, so that means I'll have eight days to do six workouts. Oh well, nothing says I can't go twice on weekend days. I'll make it!

I finally started one of my crafts challenges: I'm weaving a piece of woolen fabric on a cardboard loom. I will probably sew it into a sunglasses case and see if it fits AS's sunglasses, but right now my goal is just finishing the weaving. I got about halfway in just a few hours last night, so shouldn't be a problem. I hope to plant my basil and cilantro seeds on Sunday.

Our homemade dish detergent isn't working out; it leaves a film on plastic stuff and doesn't clean as well as Cascade. We're going to try a greener storebought powder and see if that does the trick. Now we have a bunch of borax and washing soda to use up; but I think it's good for lots of other cleaning things as well. I got a bar soap instead of bodywash (thanks...Analise, I think? for the idea) and a greener brand of shampoo. The next thing to replace will be our plastic shower scrunchie. I love those things, but I've got to find a greener alternative.

Now, car-sharing. I've recently been feeling guilty that NT has barely seen any of Minnesota because of not having a car. Buying a car doesn't make sense because we don't need one; and we'd immediately lose $75 per month that we get renting out our garage space. So I'm looking into these carshare options. If I can't find a workable carshare solution, I'll probably just set aside money for us to rent a car one or two days per month, so we can go on some day trips, explore St. Paul and other places, try some restaurants that are out of our way.

One of the carshares is super-convenient, with drop-off spots in walking distance from our condo. Another one is cheaper, but we'd have to take a bus about 30 minutes to get to the drop-off. Then there's Enterprise, which has a location about 10 minutes busride/30 minutes walk from our place. The carshare places would allow us to take a car and pay by the hour, which means we could have several shorter trips. A rental car we wouldn't have to worry about time, but we could probably only afford one or two times a month.

So I'm still working out all the possibilities. We wouldn't do this until AS starts getting the extra unemployment money from the stimulus plan ($25 extra per week), which should start happening in late March or early April.

Well, I determined $1100 of tax refund money could go into the baby/emergency fund, plus $.28 of savings interest, so that means I exceeded my February goal of putting $168 into the EF! I might even put more savings in by the end of the month, but I'm waiting to see if I need to put it toward debt to reach that goal instead.

I also managed to put an extra $63 into the vacation fund for another day of car rental, and $550 away for home improvement (we'd originally saved that up to buy a new couch, but now it sounds like AS's mom will help us get fabric and spruce up our old one, so we may use this money to get material for curtains and maybe still have some left over for any unexpected repairs that come up!)

My personal loan payment hit: $717 went to principal. I used about $200 of our tax refund money to pay a little extra because I was afraid I wouldn't hit my goal.

$1292 down, $808 to go on my February goal. I'm still going to be cutting it really close on my goal; I may have to figure out another extra payment to put somewhere. I mean, I have over $1000 of my federal refund going into our EF, so it wouldn't hurt to put a little more of that toward debt repayment. Better, psychologically, than missing my first debt-repay goal!

Speaking of missing goals, I'm doing terribly on eating fresh fruit every day; yesterday was the 6th day I've forgotten! And my crafts goals I haven't even started yet. But the month's only two-thirds over, so there's a chance I'll get to them. At least I worked out again last night, bringing my total to 5. Now I need 7 workouts in the next 11 days (gulp) to reach that goal. Sigh...

Back to debt repayment, to cheer myself up: I'm now $309 away from having my own credit card debt under $25K! You know those commercials that say "Do you have $5000, $10000, even $25000 in credit card debt?" Well, I always yell "shut up!" at the screen, because I've had more than that for years. But now, subtracting the loan from my dad, and NT's credit card, I have just $25,308 in credit card debt. So close to being slightly under the number that announcer uses to terrify people! Woo hoo!

We got our paychecks a couple days early (probably because of Presidents Day) and AS's federal refund (the big one) today!

NT's paycheck was about $100 more, and my regular paycheck is going to be $18 more than I thought, so that's good news.

I still have to decide where all the money is going to go. I gave us each a $100 spending-money bonus, and I'll be putting the majority into the baby/emergency fund. But I'm also going to pay a bit extra on a loan to make sure I hit my Feb. debt goal, and I think I'm going to use some money to switch us to prepaid cell phones. The plans I want require an initial outlay of about $250, but after that we should save an average $30 to $40 per month over our current plan!

But I wanted to make sure we had enough in the bday fund because we've started buying presents for March already. So I'm moving $225 into that savings category now.

That means we're at $250 saved, $168 to go to reach our savings goal for the month. We'll easily surpass that once I figure out exactly how much of the tax return is going into savings.

Oh, and I almost missed eating fresh fruit yesterday, but I decided to count the avocado that was in my pasta. It's a fruit, it was not cooked, just warmed up a bit, so I'm saying that's my fresh fruit. Whew!

I'm behind on posting photos of dinner, but don't worry, I've been keeping up on taking the pics. I just have to get it together enough to download and post them.

I worked out on the Wii Fit last night, so that's 3 workouts down, 9 to go for February.

We're running low on toothpaste, so I considered what to do for a greener option. I settled on buying Tom's of Maine, which is more expensive but contains no sweeteners, preservatives, etc., and comes in a 100% recycled box. Sort of greener.

And, $25 went into savings, so I'm putting it toward the b-day fund. (Birthdays are coming up in March!) So it's $25 saved, $393 still needs to be saved in February. Overall, $375 down, $225 to go for birthdays. Since two of the b-days are March 2 and 4, we may need to float ourselves some of the money from other places, unless the first federal return comes in soon, and then there's nothing to worry about! I misjudged b-day saving a tiny bit this year (just $25), but I've learned my lesson for next year.

I worked out on Wii Fit last night (the hard stuff--all the strength-training exercises!), so that's 2 down, 10 to go for February.

However, I forgot to eat fresh fruit, so that's 2 days missed. :-(

I finally worked out on the Wii last night, so 1 down, 11 to go. I'm going to have to step up my efforts! At least I haven't missed any days of fruit since the first one.

As for the green goal, I'm running really low on moisturizing body wash. I looked up and found an easy recipe for it, but it involves buying clear, scent-free shampoo. This would still involve buying a new container each time, I think, unless I can find a bulk-size shampoo. Still thinking about what I should do.

We're also running low on dishwasher detergent, and we got a big box of washing soda (and already have a big box of borax) so we're prepared for that.

We refilled a bottle of veg. oil from a bulk container at our co-op, but unfortunately it was much more expensive than buying a new one at the supermarket, so we're not sure if we'll continue doing that.

We have refilled our dish soap from the bulk section, and we get honey, molasses and some other things in bulk as well, reusing our containers again and again.

I haven't done a ton of research into philanthropic opportunities, but a couple things have fallen into my lap. First, some people are still bringing eyeglasses, so I'll drop them off next time I go to the mall. And my company is having a food drive in March, so we're going to pick up one extra item each time we shop, and have a collection of stuff to donate.

The savings goal should be easily surpassed once we get AS's federal return.

The crafts goal is the only one I've completely neglected so far. But I think I will get to it before the month is over.

I stayed up kind of late last night and finished off our taxes. I hadn't been able to take more than cursory glances at them since I got the last of the paperwork, and every time I did I got a wildly different estimate. So sitting down and reading through everything, double-checking numbers and all, I was pleasantly surprised that instead of owing about $300 (the worst of my rough estimates), we will be getting just over $2000 back.

What did I do wrong the other time I estimated? Forgot about the MN marriage credit, didn't factor in the portion of AS's education that was taxed as income (and therefore could get us a tax break), underestimated taxes NT and I paid in '08 (I only counted withholdings and forgot to add what we owed last year), and forgot to carry the 1 in one of my scribbled equations, a $1000 error.

$2000 seems like a reasonable cushion for three people, especially since I did owe something to MN, so I don't think I'll change my withholdings (unless there's a way to increase MN withholding only). I don't mind owing taxes but I hate the possibility of penalties if you owe too much, so I'd rather play it safe.

Still trying to decide what to do with the money. We've been saving for a couch, so I may use about $250 to pay for that, and I think a small cash bonus of spending money would be much appreciated by the family. We've decided we want to do two days of outside-of-Vegas sightseeing rather than one, so I'll put about $60 in to cover an additional day of car rental, insurance and gas. I think those are the only things we want that we haven't already paid for, so the rest will probably go to the baby/emergency fund.

The U.S. mortgage payment hit today, with $273 going toward principal. The principal balance hit an even dollar amount: $178,534.00. Too bad the condo is valued at $160,000-$165,000. If mortgage rates hit 4% I would LOVE to take advantage, but I just don't see any way. Maybe at least my ARM will adjust downward or stay about the same this fall...

Anyway, $575 down, $1525 to go on the February debt-repayment goal.

And on the health/fitness front, I totally forgot to eat a piece of fruit yesterday! I've already failed on my goal. Oh well, I will still go for 27 days of eating fresh fruit.

In my defense, I've been sick since Sunday with another yucky UTI and am just starting to feel better. I scheduled an appointment with my doctor for tomorrow, because this is just not cool. Hopefully she'll be able to find the root of the problem.

This is for whitestripe. This recipe is from the cookbook "Vegan Vittles" by Joanne Stepaniak. If it's still available, I highly recommend it. It's full of really good comfort-food recipes.

Ingredients:

1 lb. firm tofu, rinsed, drained and pressed.
2/3 cup or so of flour
veg. oil for frying

SEASONING MIX:
1.5 cups nutritional yeast flakes
2 tsp salt
1 tsp garlic granules
1 tsp onion granules
1 tsp parsley flakes
1/2 tsp paprika
1/2 tsp dried tarragon
1/2 tsp dried dill weed
1/2 tsp dried basil leaves
1/2 tsp dried oregano leaves
1/2 tsp curry powder
1/4 tsp ground rosemary
1/4 tsp ground celery seed

BUTTERMILK MIX:
2/3 cup nondairy milk
2 tsp fresh lemon juice

Cut the tofu and press the pieces between cloth or paper towels. If deep-frying, you can cut into any shape you want. If pan-frying, I recommend thinner slabs (1/3 inch or so).

Put all the seasoning mix ingredients into a shallow bowl and mix thoroughly.

Put the soymilk and lemon juice in a shallow bowl and stir. The milk will get slightly thicker as it curdles.

Put the flour in another shallow bowl.

Working with one piece of tofu at a time, dredge the tofu in flour and shake off any excess. Next, dip the tofu in the "buttermilk," submerging completely for a second. Immediately dredge the tofu in the seasoning mix, making sure it's well-coated all over. (If you touch it and it feels wet, press both sides into the seasoning again.)

You can start pan-frying them as soon as they're seasoned, or you can coat them all first. If, when you're done, some of the first ones seem too moist, just give them another dip in the seasoning mix.

Pan fry in oil over medium-high heat, flipping occasionally, or fry in deep-fryer, until golden-brown. Set on paper towels to get rid of excess oil, if desired.

Save the leftover seasoning mix in an airtight container. It will keep for several months at room temp or in the fridge. You can use it to make more tofu or you can coat slices of zucchini (courgettes) or tomatoes and pan-fry those.

Phew, I had to get my goals posted so I could report some progress on one of them!

The three UK mortgage payments hit, with US$302 going to principal. $1,798 to go on my February goal.

1. DEBT. Pay off at least $2,100
Balance as of 1/31: $405,121
Goal balance: $403,021

2. SAVINGS. Save at least $418: $168 for the baby/emergency fund, $250 for the birthdays fund.
EF balance: $1233.18; Goal balance: 1401.18
BD balance: $350; Goal balance: $600

3. HEALTH/FITNESS. Work out at least 12 times; eat fresh fruit every day.

4. GREEN. Some cleaning and personal care products are running low; as they do, replace them with more eco-friendly alternatives.

5. CRAFTS/CREATIVITY. Complete weaving project on a cardboard loom (project I found online); plant some cilantro and basil indoors.

6. PHILANTHROPY. Research good fits for me. I know this seems like a cop-out, but I haven't seen any opportunities that fit my lifestyle (carless, in MN in the winter) and temperament (not super-social) recently, and I think they're out there. I need to really look around at what's out there and figure out what skills I have and where they'd be best suited.

I dropped off the glasses we collected (31 pairs) at Lens Crafters on Friday, so that means I accomplished all my January goals. In fact, my debt-payoff amount was a new monthly record for me!

Here's a summary of the goals and results:

1. Goal: Pay off $1,500 of debt
Results: $4744 paid
Goal balance: $408,365
Ending balance: $405,121

2. Goal: Save at least $1,550:
$1,200 for baby/emergency fund
and
$350 for birthdays fund
Results: $1,550 saved

3. Goal: Work out at least 10 times.
Results: 11

4. Goal: Catch up on washing/reusing produce bags.
Results: Done.

5. Goal: Mend rug.
Results: Done.

6. Goal: Collect eyeglasses and donate.
Results: 31 pairs donated.

I'm still trying to come up with a philanthropic goal for February, but I should have my goals settled and posted tomorrow. Oh, and I haven't forgotten about 365 Days of Dinner; I've been taking photos, but I've been so wrapped up in posting about other things that I haven't posted the pics. I will take care of that at some point.

I checked this morning and it had gone through. US$3000 straight to principal! That feels really good. I was feeling frustrated about not paying any extra money to debt, and the universe provided. Thanks universe!

Not quite as big a piece of news, but I worked on the Wii Fit again, so that's my 11th workout this month. I'm not losing any weight, but I'm getting some exercise and definitely improving my balance and coordination, so I'm happy.

$50 went into savings for the birthdays fund, so I've reached my January goal of saving $1550: $1200 for the baby/emergency fund and $350 for birthdays. Yay!

My only goal left is to donate eyeglasses, and I've got a bunch collected that I'm going to take to the drop-off site tomorrow evening.

I'll post a roundup of all my January goals and results on Saturday, and post my February goals soon after.

My CC payment and one of AS's student loan payments hit. $221 and $50 to principal, respectively. This means I met and exceeded the January goal to pay off $1,500 of debt. To date I've paid $1,744, and that's without the ginormous CC payment that I hope hits tomorrow!

So yesterday as I was grumbling about the dwindling principal payments on NT's credit card, I got to wondering how much we still had to pay for his flat, and when it was due. He e-mailed his management company and they wrote back that all the foreseeable extra fees have already been paid. One of the bigger expenses they thought was coming has been put on hold indefinitely.

This meant that we had 1500 pounds sitting in the UK checking account, not earmarked for anything in the near future. I promptly sent a payment in that amount to his UK credit card. It should come through in the next few days. It will wipe out three-quarters of his credit card debt and mark a huge step forward for the Big-Picture Goal, which has been languishing a bit since AS's layoff was announced. I'm very, very excited.

Of course, 750 of that amount is from NT's gran, and we resolved to put it toward the baby fund. But once this credit card is out of the way, there will be a 270-pound surplus nearly every month from his rental income, so we can build up that amount in just a few months, and switch it into his savings account where it will sit and earn interest and be ready for when we have a child!

I asked NT when he was last CC-debt-free, and he reckoned it was 1995. I'm going to try and get him that way again by March...

I've taken to listening to Bing Crosby singing "Brother, Can You Spare a Dime?" on the way to work. It's on this great compilation of old music called "The Best of Bob Dylan's Theme Time Radio Hour" that I got for Xmas.

Anyway, the song is so poignant, and it also makes me feel better about the shaky feeling of our country today. The song is about feeling sort of betrayed because the singer did all these things to build America, and now he's standing on a bread line. But despite how wrenching and scary that must have been, the country came back stronger than ever. So even though the song doesn't have a happy ending, the real story got better.

But I'm also always struck when I listen to it because it's mostly about sacrifice and service to the country, not about the things he lost. He talks about building a railroad, building a skyscraper, and fighting in WWI. He talks about how "we were building a dream." I think the "we" would change to "I" in the modern incarnation of this song.

I do hear tragic stories about people who worked hard and got it all taken away this time around too, but more often the story is "I got all this easy credit and this awesome ARM and got to buy a ginormous house and all these cool gadgets and clothes and stuff. And then when I got laid off I tried to live the same lifestyle as before but now my cards and my HELOC are maxed out, but I can't sell my widescreen TV or downsize my home--that would be barbaric."

It's still a tragic story, just a different kind--one of greed, ignorance and false prosperity. There's more culpability this time around, from people, companies and the government. Or maybe I just never heard that part of the Depression story--I'm not sure.

Anyway, I'm not getting on any kind of high horse, because you have only to look at my sidebar to see the part I took in all of this. It's just something that runs through my head some mornings when I'm listening to that song.

Finally, some movement on my debt repayment. The UK credit card and one of AS's student loan payments hit: $73 to principal for the CC, $114 for the loan.

Paying the minimums is kind of agonizing after all those months of huge extra debt payments. I'm itching to pay extra on the UK credit card; the payments (and hence the principal paid) keep going down, and it's driving me crazy. We have about 1500 pounds sitting in there that could nearly wipe out that card, but I know we have some expenses coming still for the flat, and I can't remember how much we've already paid and how much is forthcoming. Hmm, now I think I have to do some digging...

On another note, NT's mortgage interest rate has adjusted twice since the last time I checked. His new rate? 2.49%! Holy cow, that's less than half our U.S. mortage interest rate. I know it will go up again once the economy improves, but it certainly is nice for now, lowering payments and increasing the amount to principal a bit.

But anyway, back to my progress on debt repayment. $1473 down, $27 to go on my January goal.

This is so funny. And because I only became semifrugal about two years ago, I actually feel like a trendsetter (or at least an early adopter)!

http://www2.ljworld.com/news/2008/dec/23/trends-whats-ahead-2009/