Wow, it has been awhile since I have written.  We cancelled the cable and got a roku which is only like $15.99 a month for what we have (netflix & hulu).  We love it and we are paying about $100 less than we were paying for cable. :)  We met nearly all of our goals for 2011.  We do have a small amount to pay on credit card and a little on a business loan  (total of around $4000) from my dad but that we will take care of this year.  Our overall payments due each month are lower than they ever have been our whole married life.  Right now, not including food and gas out bills with mortgage are $1750 and when the cards and loan are paid it will be around $1550 I think.  And in the summer it is cheaper just because the electric is cheaper. But, I am very proud of this because we have really had to work to get here.  This year my goal is to just keep moving forward and saving and just creating a debt free life for our children to grow up in.  I think the best gift we can give our children is to grow up to be debt free and teach them how to live debt free.  Growing up with no debt will make life so much easier for them especially as they get older and start their own lives.  This is not something many children are taught growing up but this is a gift we will give our children.