With just about one month under our belts, 2005 has definitely made its mark on me and my family.

I went from being totally broke (having very little $$ to pay all my bills) to paying up almost every bill. My finances have been restructured and made to better fit my current situation without sacrificing my standard of living (lower-middle class).

The second job requirement thing looks to have been removed as well. But, I may still pursue a part-time position to shore up my savings and retirement and to bring $$ for things like regular events like taking the little woman out for a night on the town or the kids to that newly released movie.

In the first few days of 2005, I was sure to start crying. But, with the help of a financial advisor, I have emerged from the ashes anew with a much brighter outlook on my family' s future.

Once again, I can hold my head up high and feel confident that the future is indeed bright.

So, how' s your 2005 going?