More.

I am determined to get myself out of this financial rut I have been in for the past month or so. I have set up a "high yield" savings account so that I can have my savings out of sight and out of mind because I always end up using what ever small amount I put into my CU savings account. 

My hope is that by depositing just $25 per paycheck and having my future tax refunds deposited there that I can save a sizeable down payment for a house by the time Luke is 5 years old (6 at the latest). I really have to learn to put my ultimate long term goals ahead of what I want here  and now. I realized yesterday that I will never reach that goal if I don't work toward it now.  

I am also working toward paying down my debt including my car loan, I only have one credit card of about $2500 and the car which is about $8400 so I should have them both paid in full in no more than 24 months. I really want a new car but I know that taking on more debt is just stupid and will only prevent me from reaching my ultimate goal of being a homeowner.

In my own childhood I watched my mother struggle with debt, she makes a lot of money but spends much more. I saw how harmful debt can be,yet I find my self making the same awful mistakes... justifying buying something when even in my heart I know that I shouldn't, that I cannot afford it. It stops now.