You do sound good. I'm cash poor too--I think most of us here are. I do anything free, my town has festivals sometimes, or just a cup of coffee at the local coffee shop, netflix, a book, whatever. Your goals sound great, but I def. think you might want to add a fun goal or reward in there too. I just saw Oprah today and she was talking about having a balance in your life, the work and the play and how she thinks not doing that, but just working caused her to gain 40 pounds or something (plus her thyroid)!!!
