Personal-
1. Blogging– Post 20 per month. Fail. This is post number 19. I honestly had a post in my head for yesterday but just not the energy to get out.

2.Weight Loss– 175#.  I have used the treadmill on at least 2 a week but still. FAIL

3. Spiritual– Spend at least 5 days a week, reading and studying The Bible. Fail but improvement noted with 50% success for the month.

It would not appear that January has been a good month because I did not achieve any of these goals. One way to look at it is that I have lots of room for improvement.

Financial- 

1. Set aside money each month in every budget category. Fail-4 of the categories are without funding this month.

2. Establish and maintain Emergency Fund- Fail.
3. Groceries: Goal is for $700. SUCCES- Total spending for the month is $199! I am so excited and surprised at how easy it was. I am going to increase the goal to $400 for February but that still stays way below the goal amount.

4. Gas: Spend $400 a month- SUCCESS. We spent only $250 in gas this month!

5. Pay off all Credit Card debit by December 2016- I am not exactly sure how to report on this. Matt unfortunately did lose 2 accounts in the month of January so we are not going to make stellar progress but at this point any progress is a success. So I reduce our overall credit card debit and will count this as a success.

Financially, I am very proud of the month of January. We are making small  but steady progress and just need to keep things moving in the right direction.