Dh announced today that he would like to start a fund for a new or newer ATV. I can tell we have come a long way. A year ago his thought would have been to take out a loan for one. Now we are going to save for that purchase. I need to find out the price range before I set a goal for this year.

I do not want to drop the other goal amounts down. We have agreed to save conservatively for the ATV until the EF is at $5000. I think we need a better financial safety net.

I used the calculator on CNN's article about the stimulus payments to find out what we would be getting. The majority of that money will go into the "life happens" fund to cover medical bills, car repairs, and the like. With those amounts maxed out, we will have more money freed up for other things. I hate to disappoint the government, but we will not be spending it on frivilous stuff.