-Pay off Trent's last credit card.
-Put at least $75 a month into our cruising kitty (for a total of at least $900).
-Once the credit card is paid off, bump up our monthly student loan payments by $50 each.
-Stick to a "fun budget" of $150 per month - this budget covers things like going out to eat, coffee runs, alcohol, and babysitting expenses.
-Put 15% of earnings into our retirement accounts via automatic draft.
-Sail at least six times this year on the local lake. We do not own a boat, so we will need to put money aside to rent one.
-Go to the grocery store just once a week, instead of 2-3 times like we used to.
-Start using coupons when we go to the grocery store (our local Kroger actually lets us "load" the coupons onto our customer cards - no need to carry around paper ones).
-Distinguish between wants and needs: we need to pay for doctor's visits; we do not need new hardwood floors.
-Continue to look for free activities around town: the park, our running group, etc.