David – I’m so glad you have found something that works well for you and congratulations on being debt free! If you haven’t already, definitely go ahead and indicate that you have completed the assignments related to creating your budget and tracking expenses. And I hope you’ll be able to utilize some of the other resources on the Planner website that are incorporated into the study. Thanks for sharing and again – congratulations on your planning, budgeting, and debt free living! It takes such hard work, discipline, and determination. It is a big deal and I’m glad you now have the opportunity to look back at your journey from this side.