getting really close to the 6-month Emergency saving. It is a small surprise to see that our 3-mo plan achievement is the 6-mo saving.
We cut our heater bill by wearing the heavy coats all day long. Ore bill was lower than last year by at least $20/pm. Not to mention that this winter was a lot colder than what it was last winter.
I did have many big expenses every month since the new year started. It made me sad for I could not see the light. Now, the beginning stage is closer to the end. Please God, keep us well and forward.
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