I thought that by now I would have managed to reduce more of my debt. There was always something new that ate my savings, or worse, required money I didn’t have. If I could go back in time and stop the accrual of debt in grad school, I would. That isn’t an option, so once again, I’ve made certain changes with the intent of reducing the overall number by a third in the next 12 months, not including my mortgage or car loan. The plan this time includes starting with some money in the bank, and adding to it slowly.