You know, I haven't really set specific saving or challenge goals for the year. I'm one of those people who, if I say I'm going to lose 10 pounds and lose 2, I think "hey, my body has adjusted" and stop counting calories. Oops!

In general, my plan is just to FIND and ELIMINATE all the ways I lose money, or waste it. I grew up very frugal, but stopped noticing all the little things that money was pouring into. The "free" subscription with autorenewal that was $150 the next year, and the next...I keep finding those little forgotten things. Now I'm challenging myself, and my DH, to find and destroy. It's a team effort, and it's a great bonding thing with us.

I'm not counting everything as "saving", even when I normally would have spent. Guess I should...