I learned this week that someone I know, not a close friend but still someone I consider a friend, is very sick. She also happens to be engaged, 17 weeks pregnant, and started chemotherapy last night for a very aggressive form of lymphoma which is making it difficult for her to breathe, and if the tumors keep growing, could throw her into cardiac arrest. I am hoping and praying for the best for her. It’s difficult not to personalize this type of thing, so I’ve fallen asleep the last few nights thinking ‘What would I regret not doing if that were me?’

I think I would rather spend a bit more time in debt in order to do the things I really want to do. I want to travel more, see some of the cities on my 43 things list. I want my husband to be able to go to graduate school, if that’s what he wants to do. I want to spend less time worrying about what others think and care less about office politics. So, while it is entirely possible for us to pay off our debt by the end of 2013, I think we may be looking at a bit longer timeline than that, and I am okay with that.

The current goal is to get it down to $20k by the beginning of 2013, and we are on track to do that. I think I’d also be okay with getting it down to about $15k sometime in 2013 if my husband goes back to school this year, as long as we can pay for his tuition without taking on more debt. The other option, with interest rates so low, would be to pay off my debt and take on some debt in his name at a lower interest rate. That’s all very theoretical right now, though, since he hasn’t decided if he will apply for 2013.

I’ll do a year-end recap of our financial picture soon.