1. keep better track of my spending- The last two weeks were awful!...since I was “away” at the workshop for 1 full week, arriving home late and obviously not in the mood to track spending (see? That, according to Dr. Camilo Cruz, is a “cow”! aka an excuse or habit that keeps me from doing what I want to do!)…well, I have tracked as much as I could and, I’m overbudget again this month! …Ale’s sickness hasn’t helped and, to top it all off, I gave in to “temptation” and bought way too many books at the training center’s bookstore!...This goal has been included in the “contract” with myself that they made us draw up at the workshop!!

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: $14.1K total: ~$8.2K (refinanced) loan, ~$2.8K car loan, ~$900 personal loan, $1.6K other personal loan… Phone bill is $600...a work in progress...another one that won’t get taken off the list!

5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money..have to open the piggy bank again and count the $$ to take it to the bank!