I wish I could say that I have made progress in paying off my debt, but I haven't. In fact I probably have more debt. The year is ending next week and the only bright thing that happened this year is my new grand daughter. I find no excitement, no motivation and very little happiness. I'm tired, out of shape and disappointed with myself. I need to pull it together in 2015 - it starts with me. I need to move forward and get out of this rut. Life is too short and I need to start enjoying it.