I so thought I was in with a shot at being first - and only got 3rd!!! We did seem to fill the last one quickly didn't we....

Tash, you look awesome at the moment and I can understand the goal weight etc, but I'm with Kel, don't beat yourself up if you don't get there..... maybe wait till a couple of days before DH gets home, then shave (or wax or whatever...) your legs - you never know, after so long it might shed another 1/2-1kg !!!

And along the topic of budgets, we have gone through phases where we've had them, but I just can't really keep a close track these days.... when we were reeeeally skint recently (before my lovely mother saved the day) I would only have to know the bank balance to know what we could and couldn't afford - ie usually nothing nonessential!! Life is a bit happier these days, and we are starting to even pay off some debts.

The one thing that I do though, is I worked out last year our fortnightly cost of utility bills/expenses like car etc... (minus groceries) and I have an automatic deduction of that amount from our bank acc into our ING direct. Then whenever I pay a bill, I take back that amount - it's a very simplistic and some would say silly system, but simple is good for me and the money earns good interest in ING while its there - its also nice to have a little stash for emergencies.....

Am going to set up a kids saver for Monkey when I get my butt into gear.... I know heaps of you already have those, I'm usually behind!!!