As I said before, I am working on a 5 year plan. We have never had one before. We were always people who were sure we were going to die tomorrow. Hubby Fred laughs at my 5 year plan. The plan has a few key points. One is Yule and gifts I need for then. Then is saving for a trip to TX and TN and the final point is a move to TN. I desperately need to have my family near me. CA holds nothing for me and in fact, gets me less money than any other state. But that's political and I'm not going there. Where I am going is to see my kids in July of 2011!!