Nessie, I would like to see your spreadsheet. I have one too, but not as detailed as yours. Maybe I need to keep more info on it than I do. I just have have upcoming bills and income. It really is more of a projection than anything, and it isn't that helpful. My e-mail is molliejw@comcast.net

thanks for the reminder--yes, my happiness is within me. I have to look for it cuz it doesn't come naturally yet, but when I realize I am finding it, it feels great! Thanks!