It seems like so many of us here are working on a "plan", whether it's Dave Ramsey style or your own. I thought it might be helpful to others if we could post what each of us are doing to meet our goals, what our goals are and what progress we have made. I'll start with mine: 1. Emergency Fund - Baby Step #1 Done 2. Debt - no credit card debt, just car loans. Started in January of 2005. As of today, we have paid the balances down 25%. We are on track to pay one car off by year end (2.5 years early ). We hope to pay the other car off by end of next year. We used our tax refund, sold a mutual fund (finally broke even on the thing!) and have been paying extra on the principal each month. I don't carry envelopes in my wallet, instead I keep virtual envelopes in Quicken. I also pay whatever is left in my checking account on the night before I get paid towards my car principal. It's not as structured as others might be, but it allows me to pay on my debt without pushing myself too far. I've also dropped my 401k contribution from 10% to 6% (6% is the maximum that my employer will match at 50%). We pay cash for groceries and spending money (eating out mostly) and it has really helped. We feel it much more when we pass actual cash to the cashier instead of plastic. Anyone else like to participate? If you want to use dollar values, you can. Or if you want to use percentages, that's fine too! I'm not looking to be nosey, just thought it might be helpful for people to see that it can be done!