Well, as you may have guessed, it costs a lot more money to live in Madison than it did in Stevens Point.  This means much more creative budgeting for my family until we can get established…

 Anyways, with the recent drop of the interest rates by the fed, keep an eye out for good refinance deals to pay less interest on loans you already have, and perhaps combine a few loans into a lower-interest vehicle.  Christmas credit card spending can really put the hurt on you, avoid using credit cards unless you can pay it off in full.  Try writing credit card purchases into your check register, that way you can write a big check and pay them off at the end of each month.