Being out of debt would be nice too. While I don't owe that much, under $10,000 for student loans I have taken out in the past, as well as a few hundred to the tax man, what I can't stand is the interest that continues to accrue despite making regular payments. Sometimes the payments I make go more toward servicing the interest than paying down the actual principle, which sucks to say the least. I'm considering doing waht a friend of mine did, taking money out of my RRSPs (otherwise known as a 401 K account to Americans here) to pay off my debts quicker. While in conventional financial circles this is considered inadvisable due to the penalities that come with doing so, the other half of the plan includes re-paying my RRSP with what I would have spent on servicing my debt. At least in this way I am paying myself. JS

Love is better than anger. Hope is better than fear. Optimism is better than despair. So let us be loving, hopeful and optimistic. And we’ll change the world.