I'm good with goals, now I'm determined to save money. I redid my budget several times. Figured out where I can cut down, determined in 2 years I will have a good amount saved.

That way I won't have to ask my brother for downpayment money, though I am going to try for a zero down loan. Than I can just do it on my own. That's my hope but we'll have to see how the saving goes. I put together a solid plan starting this month.

In 16 months my brother is paid off, in 10 months my mother is paid off. In 23 months disability is paid back, which I'm not really counting towards my income because my medical will likely go up. Planning is exciting doing is harder. One credit card is super close to being paid off the other is $400 and will take a few months. But I'm not worried about my credit cards too much.

I'll reapply for the zero down loan in March. If I'm not approved I'll go from there. I really want to own my own condo so I don't have to move and can live how I want. I may rent out a room for extra money because I'm definitely getting a 2 bedroom. My daughter will be graduating in two years.