Come join me! Please leave a comment below of what your financial goals are this year! Let's work together to achieve them. I'm super excited to share our 2012 Savings Challenge. Of course, I'm sharing this in February. Time flies when you are having fun. As most of my readers know, in March 2011 we were blessed with identical twin boys! It amazes me that we have survived the year. We also have "Doodle" our wonderful daughter who is a great big sister. If you missed it this is the review of 2011. 2012 Savings Challenge Our financial goals for 2012: Short term goals Refinancing our mortgage. Rates are very low and it makes perfect sense. I highly recommend refinancing but be prepared for anything! In January, we…