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We have done well financially and are taking a little break to raise kids and allow dh to follow his dreams. Trying to pinch pennies a little more so we can continue a simpler lifestyle and yet enjoy a few luxuries too.

My brand of frugality is that you can do just a few "simple" things to keep ahead, but keep in mind you only live once, so enjoy your money too!

Kids cost more than I could have ever imagined (in lost wages and expenses) so we are pinching pennies and trying to get back to saving more best we can with rising health insurance and such.

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Liquid Assets:

Short-term $ 990 (escrow/slush)
Mid-Term $ 3,000 (car/house fund)
Medical $ 835 (deductible fund)

Emergency - 3 months expenses


Long-Term:

2008 IRAs: $950
2008 PSP: $6250

Liabilities:

Mortgage $207,330
(-$330/month, no pre-payments for now)

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