I've taken out goal #3, as it was achieved last month! 3 more to go!!!




1. keep better track of my spending- Ouch!...I’ve been good all this month, in that I HAVE tracked even the tiniest of expenses –YAY, me!...but, of course, this has uncovered a horror story…the result is that I have split all my expenses into several categories and have started tracking them separately …hope to be able to report improvement in actually meeting the budget! This is an on-going goal, so I will keep reporting on it!

4. continue to lower my overall debt - I started Jan 05 with ~$17K (out of which ~$4K were for a loan and the rest -~$13K!-pure cc debt) and, am starting Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... expect to be able to end Dec '06 with ~$7K, which I expect to be purely for the loan... to come partly from the English classes/$20 challenge. ...current situation is: $7.6K (refinanced) loan, $2.9K car loan, $1K personal loan, $1.4K cc's ...a work in progress...another one that won’t get taken off the list!Add the $1K of the phone call to the list! I just know my cousin won't pay for it!

5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money...same as last month…!
...but now there is another loose tooth!