We made the commitment to take the 90-day challenge and have experienced so many blessings from God. I received a nice bonus at work and we only have 1 credit card left to pay off. We are taking a trip to Texas in April to see our grandsons (and son and daughter-in-law) and through the grace of God our refund from our tax return will more than cover the expenses of the trip. God is so good! We are now going to continue the challenge past the 90 days!