so i know it has been way too long since i checked in..! well much has changed since last time.. i got engaged in september and got married in november.(yes quick i know..lol). Well since we were not spending most of our savings on a wedding, we just got it over with. Things are great.. I also started graduate school in september. I will be done with my program in May 2011. It has been a lot of hard work and dedication, but i know it will be worth it in the end. My husband and i have decided to hold out on buying a house so we can save enough money to either buy in cash or at least put down 50%.. I KNOW we can do it, because we are both disciplined and focused..My part-time business (personal training) is doing great.. I run a bootcamp this past summer and it was a success.. i am currently training clients one on one.. Since i am paying for graduate school from my pocket, i am taking better control of the money from my training since this my main source of income for paying tuition.. so far, after paying off $4000 for 6 credits this past fall, i have a balance of $1080 generated from the month of Decembers' training.. my goal is to have enough at the end of each semester to payoff the tuition in cash.. SO far so good.. i am grateful.. i will keep you all updated..! God bless