...so far, at least...I can tell you this...my budget is pure fiction!!!!...it has nothing to do with what REALLY happens to my $$$...

I'm trying to do better for the last months of 2006 and, hopefully, can apply all that hard-earned knowledge into my budget vs reality for 2007...I mean, with my current level of debt/income/expenses, I would need to make $1,300 per month, after taxes to break even....(I'm currently making about $1,100 PRE tax...and that is taking into account additional income sources, like translations, admin services, English lessons, sales...)

The plan at this point is to pay off as much debt as possible during this toy sale season and, then apply whatever earnings from the school supply sale in early January to debt as well...that should help, but, I still wouldn't be too "healthy", financially speaking...

Still, it seems like I'm going to be in a better place, financially, as I was this year....

I was just checking and the amount of money I have used (expenses/debt) vs the amount I've earned (net) from my salary for these past 7 months is $426 higher than my $20 challenge....which makes sense, as this could be the tax return + the vacation bonus...I didn't really track income this year....(but have included it into my spreadsheet for 2007!)