A few days ago, I pulled mine and Jay’s credit report to see where we stand for the new year. Our big goal is put a huge chunk in the debt that we owe. Obviously, we wont be able to pay off things like our student loans in a year but there is no reason why we can’t get rid of the small stuff. With this, I have joined the Snowflake Challenge.
Snowflaking is when you take any extra or unexpected money and immediately add it to your debt. You must apply the money immediately so that you don’t have the ability to spend it.
Every Friday in 2012, I will report any additional money that I have received and have applied them to a debt. Happy Snowflaking 
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