Goal: [X] Get SL to 15k or less
Goal: [X] Open 529 for baby
Goal: [ ] 10% Retirement (boo - 9%)

So there it is! Instead of getting discouraged with myself I'm thinking I should be happy with how things turned out. Midway through the year my priorities slightly shifted. Once I realized that I could collect on my grandfather's savings bond, it turned from merely chipping away at my student loan to nearly eliminating it in 2011! So with the progress I was making there I didn't feel the urgency to up my retirement just yet. I'm currently at over 10.25%, but T is still at 8%. I'm hoping this next year he will get a small raise (it's been nearly two years with nothing :/) and we'll use that to up him to 9% at least.

All in all, a good year! Now onto my 2012 goals!

Awesome news: Mom loaned me the 4,600 to pay off the rest of the student loan so that I wouldn't have to continue paying interest. So now I owe her the 4,600 (which I plan to pay in full mid Feb.) So with my student loan payment GONE, the budget now looks like this:



I'm so excited to have one less bill!!! So that leaves us with approx 850 a month to put aside to pay back my mother with. And then after that we'll use the money to save for a half bath on our first floor, and after that we'll save a bigger EF, and THEN start making extra payments on our mortgage. WOOHOO!!