Steve and I would make Dave Ramsey proud... I sold some PTO... earning us an extra 850 dollars and just got notification of my salary increase... since we have another 22 paychecks left for the year... a grand total of 1232 dollars! I cannot thank God enough for my job! Total money saved/earned so far... 2,706.06... Only 9,293.94 left! We're chipping our way through those student loans - slowly but surely. I have a love/hate relationship with Dave Ramsey, but I know in the long run we'll be much better off.