The final payment posted today which was nice but at the same time anticlimactic since I had scheduled the payment 3 weeks ago.

My last real goal of the year is the student loan and that gets paid in full in November. Since we are using an already earned but not paid till November bonus to pay that, there really isn't much to do in the meantime financially.

So my current area of self improvement is eating healthier, a never ending challenge for me since I love food (both good and bad). As eating healthier tends to result in cheaper groceries and less out to eat, it does have a financial component but that is a side effect, not the end goal.

DH's work has cut the overtime. It means a dramatic pay decrease for us and a slow down on goals but that was always temporary money in my mind so no big deal. We do get to sleep in more now.

So the student loan will be paid off in November and the 2013 Roth contributions will moved to the beginning of next year. Credit card payment has been scheduled for early this month so that is completed.