It’s almost end of the year and we now planning our major expenses for the next year. Next year, we will have our cars registered so as early as today, I will have to find cheap auto insurance rates so I will have great savings on insurance alone. Next year hubby and I also planned to have a small project in which we have agreed to save a certain amount for it. We will have to save a little every month but we will have to make sure that the saving is consistent. Well, there is so much in store for the coming year and I hope God will bless us more financially.