Well – apparently I became too aggressive in my debt reduction plan, which became costly due to my lack of an emergency fund. So going forward I am cutting my larger credit card payments slightly and placing the difference into a debt elimination account. That account will act as my mini-emergency fund account for now.

Also, speaking of emergency funds, (or the lack thereof) it turns out that I made a mistake in filling out my W4 when I started my new job this summer (figures – since I hadn’t filled out that form in in over 3 years). Anyway – according to me I messed up and ended up owing money on my federal taxes and barely getting anything back on my state taxes. So that means no quick emergency fund builder or large debt payment to start off the year. Disappointing, but c’est la vie.