It's the New Year

My New Year's resolution... one and foremost is buy a property (home) which hopefully will happen early part of the year. And then to save and concentrate on paying my mortgage.This might mean I have to forgo some of the things I normally do. I hope everything works well for us especially when the economic problem is expected to get worse this year. People are selling their houses and mortgage interest rates are getting low and hopefully reduce more, so we thought this is a good time to buy with careful planning of course.

The others... brought forward from last year.