Just popping in to say HAPPY NEW YEAR to you! Wishing you all the best for the upcoming year.

I sadly fizzled somewhere on actual goals and tracking progress. So I have nothing to report as far as accomplishments achieved, aside from keeping track of a large generally happy, healthy family and not making majorly poor financial choices along the way.

I'll be giving some thought to concrete goals and will be looking for some serious accountability - any wanna-be accountability buddies out there for the taking? Maybe weekly individual emails? All along the lines of annonymity, of course .

Hope that you all have a wonderful first day to the New Year, relaxing and enjoying family and friends!!

Wishing everyonen all the best!