We have had many speed-bumps on our road to financial fitness. I was looking back at all of the unusual expenses we have incurred this year and how much more we could have had in savings if it weren't for these crummy expenses. First of all, we have spent a fortune on David's classes. Close to $5000 in total. Don't get me wrong, I am glad that we have spent that money and I am anxiously awaiting the day when he passes his final test and we can reap the rewards of him having his MAI. Another place we have spent unexpected money is on insurance deductables. We have spent at least $2000 on David's knee surgery alone. I can't imagine where we would be in the competition if we had $7000 in savings, or had been able to wipe out $7000 in debt. Oh well, I wish that we have been able to avoid some of our unexpected expenses this year, but such is life I suppose. I am trying to remember that the competition is not all about winning the $10,000 at the end, but more about changing our lifestyles and making better choices for years to come. If we are debt free, with money in savings a year from now, then we will truly be winners!!