HELOC: $14950
Target: paid $36.57 (statement balance paid in full before 12/22 due date)
Visa: $220 remaining (statement balance paid in full before 12/27 due date)

Year-end interest on HELOC: $454. My goal was to have paid $10K of debt for 2011, and if I exclude borrowing, I've accomplished that. But my balances currently owed are not $10K less than December 2010: they are $6900 lower.

That $10 Target gift card went to a local women's shelter.

I gave $10 each to two schools in the new school directors' districts.

I am feeling broke because of the selloff. I recognize that I must act against my feelings in investing. Hubby gets paid tomorrow, so I'll see if gold slips below this year's average price, and ask about Maple Leafs: expecting big swings. And it's a triple-paycheque month: that's always good.

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