Well, my January 15th paycheck came yesterday. I went straight over to Kohls and paid off the remaining $190 on my wife's credit card that we used for Christmas '08. We actually spent $340 at Kohls at Christmas time and my wife wanted to get the discounts by using the Kohls credit card. I paid off $150 of it right after New Years. So at least we did better at Christmas spending in '08 than we did in '07. What I mean is that although we spent more we were able to quickly pay it off.
And I also paid off one of my $250 PayDay loans. The other $250 Payday loan is due at end of the month when I expect - pretty sure about it - my year end commission for 2008. Should be able to put a significant amount of money into our emergency fund and at the same time also be able to pay off some more debt.
Oh, I also paid $116 in car registration fees for one of our cars. And I paid $200 as partial payment for my life insurance. That's not the entire budget of course but just explaining where the money goes.
I've been debt free two times in my life. I'm hoping third time's the charm - expect to be CC debt free in about two and a half years.
I've still got another $98,600.00 to go. Oh well, making progress. Two steps forward, one step back.