Hi! I had a bit of trouble with my Mac and haven't checked in - in a while. But I am here now and look forward to catching up on all of YOUR posts.

For us... well, my second grand daughter was born on Sept. 28 and she is ADORABLE.

(PICTURES TO COME, SA isn't letting me load right now)

We found out on Halloween that our first grand daughter is going to be a BIG SISTER! So that's super exciting.

I've let auto-pay handle life in Sept. and Oct., but that isn't helping us stay focused. So, I logged on this morning and built out our Nov. and Dec. budgets. I've still paid extra on my mortgage, and even created a little cheat sheet for a visual motivator. We've made 4 regular monthly payments, and also paid $1500 extra to principle a month, knocking off 7 payments so far at the end. So much white space on the page, but I am looking forward to the gap growing smaller. Also hoping to refinance next summer, fingers crossed. Mortgage is down to $531K from $538K. 

Spending is still way too much. But, I've got a plan for the new year. More to come on that. The good thing is SAVINGS is going so very well.