So, here is where we stand from the beginning of the blog:
As you can see, 60% of that difference is due to the estimated loss in value of our cars. The rest is because of less income really. We have tried to really keep expenses low, but we have had some unexpected medical costs.
For 2011, I already stated our goals here. The key really is to get our retirement accounts back up and to finish off that auto loan. I have been considered looking into a home refinance to know the mortgage down a few years, while still maintaining our current payment level. That will now be until I feel the home value is up to a safe level.