Hi Vanissa, I just wanted to check in with you and let you know I am doing great!. Debt free and loving life. I run an excel budget spreadsheet every fortnight, so I can see when and where I am spending and what utilities and insurances etc... are due. I have been accepted into a Federal Agency in Canberra and will be moving there in a few months once my security clearance is completed.! Much higher wage and of course more superannuation. Just to top up before I retire. Another bit of good news, I won $40K in lotto, so I have put it into an interest bearing deposit! This is really the first time in my life I am actually saving and can see results. Thanks again for all your help, and take care. Cheers Deb P.