The phone savings are chugging along nicely - all the long distance chatting I've been doing has been through the mic on MSN. Yay!

It looks like we will be selling our property to hubby's parents (his half of the duplex they share) for 60K. We are going to pay off DH's two lines of credit and my student loan (debt load of approx. 20K) with it by the end of January. I can't believe it!

I have drafted up a contract for us - now that the debt will be taken care of, we have to commit to building our savings back up again ($500 each per month).

Talked to a banker friend of ours - we are going to put the lump sum in some sort of term deposit through our bank.

This feels great!