I have been thinking about how to meet our goal in 2010 of continuing to pay off our debt and I think we have to get back to basics. If you've followed me from the beginning, you may recall the 7 Baby Steps by Dave Ramsey. We are going to concentrate on the first two to begin with:
1: $1000 in an emergency fund
2: Debt snowball
We need to get our emergency fund rebuilt. Then we need to get going on our debt snowball again. This month we are focused mainly on getting caught up from December (the income that I lost from some DHS kids that weren't attending regularly and then from being closed at Christmas). So that is my first goal: getting our "four walls" current. The four walls are: home/shelter (house payment, utilities, etc), cars (we don't have car payments, but we do have insurance and vehicle maintenance), clothes, and food. So mainly we need to get all of our utilities and other similar bills up-to-date.