This year, I'm really proud of how much of our student loan debt we paid off. We still have a ways to go, but we started with a huge amount and our goal is to pay off everything in 3 years instead of 10, 25, or even 30 years like some people we know! We had one splurge this year, which was spending a week in Hawaii, but we paid for it in cash and it was to celebrate recovering from a very difficult surgery last year. As for financial habits, we stayed committed to sitting down together and writing out a budget on paper at the beginning of each month. We also made some changes to our habits. We used to put all of our expenses on a credit card for hotel rewards points and then pay off the entire balance every month. But we ran a two-month experiment and found that when we paid for everything with our debit card, we underspent our budget. So we switched over to using the debit for most things and I think we will stick with that next year, although DH wants to put things we're not apt to overspend on back on the credit card (like gas and parking), as well as some fixed recurring payments (electricity and water) so we can keep getting the hotel points. (We have to stay in hotels almost every month for something or other and the points have saved us a bundle in the past). We'll sit down and talk about that. One thing I'd like to find a better solution to next year is tithing. Initially, we started tithing on the card because our church encouraged everyone to start giving on an online auto-pay program. But we realized at some point that Amex was charging a 5% transaction fee to the church for processing the payment and we felt convicted that they weren't getting the whole tithe. Even if we used our debit, it was going to be a 2-3% charge. The church still encourages credit card giving because it provides them with a regular and stable income stream, and it gets people to give who haven't been good about it in the past, but we were going to tithe regularly anyway, so we went back to checks. But that's been a little irritating because our church waits weeks to cash the check and it will come out of our account on some random day when things are a wee bit thin. We always leave the tithe amount sitting in the account, but suddenly it will be withdrawn one day and throw me for a loop. I suppose we could pay the tithe on the card plus a little extra to cover the transaction cost, but that seems silly too. I don't know. We also need to look at some savings goals for next year. This year, we just kept a small emergency fund and threw everything else at our student loans. But now we're starting to talk about making some life and career changes and I'm wondering if we shouldn't start socking some money away. On the other hand, any money that's not going to the loans is costing me in more interest, so I'm torn.