1. I refuse to do an end-of-the-month report this January. Because if I did, I would have to admit that I have reduced my overall debt by a mere $55. January is always an impossible month--not only are there Christmas bills to catch up with, but my homeowner's insurance comes due on both my residence and my rental, as do my property tax payments. In my state, there is no sales tax (YAY!) but we get hit hard with property taxes (OUCH!). I feel lucky to have had any debt reduction at all.
2. My 401(k) has hit an all-time high of $216,000. Financial Engines says it is "very likely" that when I retire, I will have an annual income of $57,000 per year (including Social Security). I feel good about that. Although my current income is higher, I live on less than $57,000 a year because I pay $1050 per month (pre-tax) into my retirement funds.
3. I'm in love with my new, very cheap Tracfone. It cost me a whopping $9.99 and came with free "Double Minutes." The double minutes card usually sells for $49.99 though it is currently on sale for $19.99. Either way, I got quite the bargain at less than ten bucks. Then, it turns out that promo codes still work, so with the 200 minute card my sister put in my Christmas stocking, I got a total of 460 minutes. I figure that will last me all year. I don't like talking on cell phones, so I use mine just to check in with my kids, when I'm running late, and for the feeling of safety it gives me to know that I can summon help if I need to. Of course my kids laugh at me because my phone is just a phone--I can call or text. But there's no e-mail, there's no camera, and it doesn't make my morning coffee. For $9.99, I'm not complaining, especially when I see THEIR cellphone bills!