<prompt> Human: April is Financial Literacy Month, recognized in the United States starting back in 2000. This month is devoted to emphasize the importance of having financial literacy, that is understanding your personal finance and family finances Coinciding with the month when taxes are due, its a good time to look at where you stand in terms of your personal balance sheet, since you will be looking at your income vs deductions for taxes already.Some things you might want to consider this month:1. Where are you in your financial goals? Do you have any financial goals.2. What are your next steps?3. Where do you see yourself next April? The best way to answer that is by asking yourself where were you last April? Are there any changes you might see yourself doing differently this year?Note: April 15 is coming up! Have you completed your 2013 contributions to your IRA? If not, you may want to look into that. Remember that the maximum contribution for your combined Traditional and Roth IRA is 5500 last year for most people if you make less than 127,000. If maximizing your IRA contribution was part of your plan last year, you still have 2 weeks to do so!  <response>: 1. When we decided to have a baby, I turned our financial life around. We were already saving for a house, but we were carrying over 5000 credit card debt and had a car note of 30,000. It all started with YNAB. We had a baby and bought a house and started to budget. Well, we sold the car. I ate the negative equity 7000 and put it on a 0 apr card. We took those savings and paid off the credit card debt. We also financed a new to us vehicle for 5500 at 7.25 in October. That vehicle will be payed off in full this month Financial Literacy Month Hooray! 2. So now here we are, looking at 5000 in credit card debt that has 0 apr until May 2015. My plan is to pay this off incrementally while bolstering our emergency fund we have one month now, and are working toward 3-6 month expenses. Were also saving to have a second Bay Bay. 3. By April next year I plan to have a second child, 3 months expenses in an emergency fund, and be completely out of creditcar debt. Once all these things line up, well be agressively paying down my wifes student loan debt of 20k. Well probably focus on the two loans at 6.5 totaling 10k first, then figure it out from there. Cant thank this sub enough for turning me on to YNAB and really turning around my families life. Its amazing how the financing part kind of runs itself once you have a plan and stick to it. 