That is when most of our financial obligations will be history,due to God- given common sense and financial responsibility.By end of March,we will be even farther ahead,and to thank the One that gave us this common sense,we are striving to giving and doing more to Him,,and for Him.My sister has her bankruptcy filing this week,and will probably lose her home by the end of March.this was due to my sister having immediate family members that have you know whothey are riding shotgun for,caring about nobody but themselves,and my sister with her trusting,loving heart,has let them bring her to this terrible station in life: Complete financial ruin,at age 66.If she had just said no to her sons more,and told them "You are grown now,I am retiring,live your own life and keep your hands out of my pockets",she would have been sitting pretty.But,she is taking the fall financially,while her sons get out from under what they morally owe her.It is appalling what some family members do to each other,my sister is a good example.Marcia and I have vowed to help them,if they need a place to stay,and I also am aware of her husband's propensity of stealing money and food from family members,and not batting an eyelash over it.the money part happened to me more than once,couldn't prove it,though.There are always too many out there waiting to take advantage,and if they come here,I warned everybody to be watchful........Forewarned is forearmed.