12/4 Expressions

Personal financial goals we have accomplished:  add to our daughter's college fund - check.  Bulk up savings account - hope to accomplish by the end of this month.  Pay all property taxes without dipping into savings - hope to accomplish by the end of this month.  Barring any emergency, we are on track.  Our holiday spending has been pretty minimal.  Although we were going to use our Southwest Airline miles for trips, we have decided to cash them in for gift cards to curb our variable spending - groceries, gas, clothes, and entertainment.