dh has rrsp (like ira or 401) matching program at work up to 5% of salary not that we have that much going into it.  so that helps out of sight out of mind. can't touch it unless he leaves that job.  type we need lol.

both of us are pretty horrible at saving money. he is better but then he doesn't do all the shopping for everything!

I agree with prior posters in that it is essential to have a budget, to have automatic deduction for savings and to record all your expenditures.  However I would like to add that the most motivation which I have found is to closely record my achievements and to post them.  I have my achievements posted above the sink in the kitchen.  Everytime I go to cook or wash dishes I see how much I have achieved so far.  It is such a motivation for me.  I would also advise you to really sink your teeth into the many tips which you will find on frugal sites including stretcher.  There are many good people here who will assist you with motivation.

Sueellen 

1.) Baby Step #1: Emergency Fund $1,000 (fully funded 01/25/08)
2.) Baby Step #2: Beginnning Balance 01/01/08 $78,492/Current Balance $25,392
Paid Off $53,100 in debt since January 2008!!! GOD IS SO GOOD!!! 

 

WOW sueellen, that is impressive.  Good for you!!