I have mentioned before that we have been doing some cleaning up since before New Year. We were hoping to finish filing all of the unfiled documents and loose university papers but we were caught up with other Holidays to dos. So for the past 2 days, we were still busy with filing tasks. In between, hubby and I have been discussions and planning, financial-wise. If we were too lax last year, this time we would be wiser and more watchful of our expenses. Our son is growing fast that we need to start thinking about his college fund. In fact, I personally made a vow not to do any shopping for myself (even the cheapest accessories) for at least the 1st quarter of this year. I think I can do, I have psyched myself a million times about this financial vow. Also, we were trying to help out this friend who has been caught up in terrible debts. I tell you, he is quite devastated with his situation especially now that they have a baby. They have no choice but to resort to Debt Consolidation. Debtconsolidation.com offers advice and options to help you manage your consumer debt. We are hoping that through this, they would be able to eliminate some of their debts' interests and eventually start saving.

How are your finances this year?