I'm creating a goal of paying down debt. I recalculated what I can pay my brother, and will pay him off in March. My credit cards will take about 15 months to pay off. I am trying to improve my credit so I can buy a car with a better interest rate. Plans for that next spring/summer. I paid my cell phone off this month, and my mom.

Now I have an idea of what insurance will cost, and what I'll be able to afford. I'll put a small amount into savings. Need this car to take me through one more winter.

I'm working on my health, diet, and finances. I've started dating again. I've returned to church. I'm seeking God in my life. Things are turning around.