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!