I started out my post-college life with $23,170 in loans to pay off. The total now stands at $12,940. That means I've paid off $10,230, or $2,046 per year. Not bad.

I used the

credit card calculator at Bankrate.com to calculate how much longer it will take me to pay off my loans. If I keep paying the minimum on my highest loan, it will take me 109 months, or 9 more years. Yikes! If I pay the minimum on my smaller loan, it will take me 20 months! I'm definitely going to be rid of the smaller one in 2007 - it's just under $1000 now. My original goal was to be rid of it by next month, but that's not going to happen. I feel it's more important to get my emergency fund back up to $1000 and fund my 2006 Roth IRA as much as I can. The loan will wait.

I showed SO just how much we spent on groceries and household products in the last six months...he was shocked. You really don't believe how much you've spent until you see the numbers. We're definitely going to try to do better.

Last night we went for an hour-long walk around the neighborhood. Retire@50 has inspired me! I'm hoping we can keep up with the nightly walking. We both need to get in better shape!