I'm getting less and less time lately to come here and give updates - I updated stats today - it looks worse I think than what it is - as the emergency fund was used to complete our landscaping in the house - its nice to have our trees, hedge and flower beds in - make it more homely. But the emergency fund at $60 is at danger levels, but if I had to I can use other savings if I needed.

And due to some unexpected expenses at the end of January - the credit cards were used at the end of the month - but I have some back money due to me this month so provided I have no unexpected bills that can go in off the credit cards.

I know I have the option to cash in some investment - but I don't want to touch that until May 07. And once we get past March 07 I usually find the first 3 months the hardest to stay on budget, I think I will be in a better position for May, but I will be clearing the personal loan at that point.

Busy at work so until next time.