span xmlns=””/spanbr /div class=”separator” style=”clear: both; text-align: center;”a href=”http://3.bp.blogspot.com/_hRmjyAC3CBs/TSFHeip6o3I/AAAAAAAAAV8/yDgQxcgsBmk/s1600/hny2011.jpg” imageanchor=”1″ style=”margin-left: 1em; margin-right: 1em;”img border=”0″ height=”150″ src=”http://3.bp.blogspot.com/_hRmjyAC3CBs/TSFHeip6o3I/AAAAAAAAAV8/yDgQxcgsBmk/s200/hny2011.jpg” width=”200″ //a/divspan xmlns=””Yes, it is the third day of 2011 and it still doesn’t feel like a Monday because the kids have one more day off of school, but Happy New Year anyway! We spent two weeks staying up late watching movies, sleeping in late, staying in our jammies emalmost/em all day and playing lots of Wii. emGood ‘ole fashion relaxin’!/embr //spanbr /span xmlns=””I am ready to get back into the swing of things. Ready for a consistent schedule where I know what day it is and get my house in order. It is amazing how having 5 people home for two weeks straight can lead to constant chaos which I didn’t clean because it was my vacation, too! As I write this now, I have laundry going. The kids need clean clothes for school!br //spanbr /span xmlns=””Anywho…this is the year for our family. The year we get out of debt! br //spanbr /span xmlns=””As always, there have been a few minor setbacks like a black lab that gets constant ear infections…thank you vet bill! But we will not be discouraged. Life is full of setbacks, but it is how you handle them that builds character.br //spanbr /span xmlns=””I have many people who have a word of the year. On Sunday, a href=”http://12stone.com/”our church/abr /em{who just started an a href=”http://www.12stone.com/online/”online/a campus}/em started a series called Gumption. emGumption: the character to commit and complete.br //em/spanbr /span xmlns=””Gumption is needed in our marriage, family, business, and finances. There are a lot of people out there that can commit, but do not complete. Or they commit and then change their commitment, commit and then change their commitment, commit…well you get the idea. Either way, they never complete what they committed to in the first place.br //spanbr /span xmlns=””This is the year we have strongGumption/strong in our finances because we committed to become debt free and now it is time to complete. em{Do you hear the Hallelujah chorus?}/em/spanbr /span xmlns=””embr //em/spanbr /span xmlns=””And with that…I’ll leave you with an idea of Gumption…/spanbr /span xmlns=””br /nbsp;/spanbr /iframe frameborder=”0″ height=”295″ src=”http://www.youtube.com/embed/VcSBO8YAnTQ?fs=1″ width=”480″/iframebr /br /a href=”http://www.aghdesigns.com/images/blogs/siggy.png” target=”_blank”img alt=”Anna” border=”0″ src=”http://www.aghdesigns.com/images/blogs/siggy.png” //a