We managed to have over $3,200 leftover money in December. $1,550 of it was from DH's tax refund. I've decided to first off to fully fund the Xmas & Anniversary Fund for 2009. So for next year we've set a side $1,000 for Xmas and our Anniversary celebration (last year I only put a side $850 but only for xmas fund). We were under budget with our 2008 Xmas fund by $97.37, so I have just topped it off with $902.63. I've just put this money in my ING account for now until we will need it, meanwhile it can earn some interest. Well, Christmas and anniversary is sorted out for the year. I've never done this before and it's a great feeling!

I decided not to put as much money in the saving, instead I put most in the EF and a little bit in the car fund.So now we currently have $2K in car fund and $5K in EF.

Only about $350 was put in the saving. So my goal last year of putting another $10K in savings from Apr to Dec didn't quiet work out (only saved 52%). I'm not to worried about it because that is actually $5K extra than what I hoped we would be able to save last year.

So now we can concentrate on achieving our 2009 goals. Firstly, funding the household fund. Unfortunately we will only be able to put in $200-$300 by the end of this month because we got big expenses coming up. Our yearly car insurance is due mid-Jan. But I am hoping to get my tax refund in the next couple of months and that will all go towards the household fund. That's the plan for now anyway.