I think the initial goals I set may have been too unrealistic.. but judging from the amount of money I've been able to free up from bad habits, I just might be able to accomplish 2 out of 3
It takes alot of patience and determination- and I congratulate all my fellow boarders for taking the first step. It's not easy to juggle expenses, loved ones (kids, DH, etc), AND save a lil' here and there for a rainy day.