Small stuff to report:
1. My monthly housing payments are going down by $79 a month beginning February. Yay! I'm making immediate arrangements to apply that money automatically to my debt snowball. (The reason is a reduction in my homeowner's insurance, which has been skyhigh since my garage fire 2.5 years ago--this should keep going down annually for the next couple of years.)
2. Is there something wrong with my math? I am a member of My Points and periodically redeem the points for gift cards. Usually I get a $10 Starbucks card in trade for 1550 points. But when, as I did over Christmas, I accumulate a lot of points, I spring for a $25 Starbucks giftcard for 3600 points on the assumption I'm getting a better deal.
But guess what? The math doesn't work!
It turns out that, by a minute fraction, it is actually cheaper to keep getting $10 cards. (.00645 cents per point for the $10 card, and .00694 cents per point for the $25 card.)
3. There's a good article on how to prepare for retirement as a single woman. Thanks to Rhea at Boomer Chronicles for calling it to my attention.