Living in the land of plenty (looking around house seeing all of the stuff added to what we already have - and it was reasonable this year compared to last few years of excess), I have put a ban on all spending (except for gas/groceries) for January in order to:

GOAL Pay off HELOC - Balance $4,900

I did mention the Vanguard mid-cap with $4,044 (presently) and I SOLD all shares to apply to the debt. I had $15,268 in the Vanguard Federal Money Market and I sold $268 shares -

Balance roughly $600 -
Looking at the budget for January, with minimal spending and realistic utility estimates, I should have $1,100 to apply to this and will then apply remainder to AmEx Blue ($9,900).

After that will then have to decide what %s for upcoming expenses and debt reduction!

HAPPY 2008!