We saw a pretty substantial drop in income last year (about 1/3) from prior years just due to issues involved with working for/owning small law firms. SO we did some serious belt tightening then. This year looks to be better, but I have a constant gut wrenching stress level about our financial situation and the economy as a whole.

Changes?

I'm working at home more. Driving to the office, with bridge toll, probably costs $15 - 20. So I only go in once a week. I am using the motorcycle more. DH is cycling to work more and more.

No big trips planned for this year (Of course Bend is a HUGE trip. ). But we're not taking any expensive vacations. (We are planning Hawaii in February, though.)

And I want to know who voted "never better" !!!