S.L.
I always make a few and never stick with them. Our biggest one last year was to pay off credit card debt, however we started this year with more than last year...lol. But in this 1st month we have payed off the 2 smallest ones. I have designed us a strict budget, which is working so far. We lost our neice in September of last year, so my biggest thing for this year is to treat everyday as a gift and really enjoy my son and life in the moment. Be more merry and happy and overall a better person. A more understanding mommy, a better wife, and considering everyday as a blessing. It has been a great way to start off out new year, and I am so excited to continue in our path to get out of debt and enjoy everyday with my healthy family :) So I like you am taking day by day this year, you can't wake up a new person but day by day you can reach your goal.