1. keep better track of my spending- I’ve been good and have tracked ALL the expenses!...it’s a still a shocker, but, having gained awareness of the problemS has helped me stay on track and, I hope to get better at curbing my spending!...and, this month I was right ON budget (as opposed to overbudget!) with my total expenses!! Yay me!

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: ~$8.2K (refinanced) loan, ~$2.9K car loan, ~$1K personal loan, $700 cc's**, Phone bill is $700...a work in progress...another one that won’t get taken off the list! …so, my level of debt is higher than at the beginning of the year, but, at least it’s “healthier” debt…plus, now I have a car that works!  … >  about the phone bill, though! **My boss still hasn’t given me the money to pay this one off, so this will remain like this until next month!

5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money...She did it!!!- we opened the account on Jul 29th, 2006. This goal won’t disappear, though, as I will just change it to 5b. Help Ale save/earn money to put into her account at the end of the month!