I removed the Christmas Challenge from the "Current Projects" list and frankly, there isn't much left! The Paper Towel Challenge was to get to the end of the year without buying any more paper towels, and unless my cats eat alkaseltzer between now and then, we're going to make it to next Thursday with about 3 rolls.
I'll be working on "Step Two" of the payoff plan for like 3 more years, unless I win the lottery or get swept off my feet by a millionaire, so that's not going anywhere.
So, what's next? I have a bunch of goals for 2009, but many of them are not very financial in nature at this point. For example, I haven't been working out at ALL, and you can tell, so that's a goal. Also, I am Russian/Czech on my mom's side and I want to learn to make pirohi by heart so that I can make them for my children. My mom gave me my grandmother's Russian cookbook, so I'll have fun experimenting with that this year.
I want (need) to potty train my 2 year old, and get my 4 year old bunk beds (my inlaws are helping me with that one, so no saving required there). I also want to start chores with him, and am planning on checking out that book LauraC recommended (see comments for this post).
As for the financial goals, the garden and the tag sale are really for the summer. There will be some great clearance sales over the next couple of weeks, so I'll probably be spending more than I'll be paying off during January, but that helped me get the clothes and things we needed last year without spending too much.
So, January might be the Month of Frugal Spending, but that works, too!