So for the last two New Year's I've sworn up and down that I am going to get out of debt by the end of the year. And every year I fail. I don't think I accure any additional debt, I just manage to always rack back up whatever I had initially paid off. I'm so tired of the credit card debt. So this year, I'm changing the resolution. The goal is simply to live on less. Ideally I'd like to find a way to live on half my salary. But, in order to succeed, I know I need to start small. So, I'm going to start with 3/4 of my monthly paycheck. Wish me luck!