I haven't added much lately. I started my journey into Personal Finance in April. I have curbed my spending, invested into stocks , discovered EmigrantDirect and went into auto deposits. I have learned so much and saved a lot. The year is winding down and my looking into new goals. I have enjoyed reading the posts too. I (we) don't have any debts to speak of. We just never believed in credit cards. Thanks for a great year and looking forward to the next.