Why thrifty little?

Let me start by saying that 2008 was a hard year. It was a year that really wiped us out financially. We have always thought we were being responsible with our money but truth be told we were not. We have decided that 2009 is the year we will begin to make baby steps to improve our finances. We will no longer feel like chicken little every time a small emergency creeps up. I will post our specific debt owed and 2009 goals later.