The arrangement we made when we sold my parents' farm (before the bank could seize it!) was for monthly installments...the second year would bring less than the first...starting February....starting today....
I need a break!
I'm praying for my old apt to sell...only two things could bring an instant substantial change in my finances right now: the sale of the apt, or my Mother's death....so I'm praying for the apt to sell!!....
I also answered a job ad for a position that sounded really nice...but, who knows, they might pay the same as here...or even less!....

I couldn't meet my goal for lunch budget this week...I spent $4.31, not $4.....I guess $5 was a much more realistic budget...still, I'll keep trying, maybe I-ll manage next week!!