Two of my goals for this year is to have enough savings and to get out of debt. And to attain this, I'm reading good materials (books and online) that will help and guide me. I also follow this blog where I got some budgeting and saving tips that is aligned to my financial perspective. You can check her blog to read some good points on how she also try to carry on with her goals on her family's finances. I got from her links to download free budgeting forms and spreadsheets that I find really effective. You can download them here, here and here if you're interested.

Getting out of debt, Leaving within your means, sticking to a budget, saving and avoiding over spending are great challenges for me this year but I do pray that I can attain these goals.