I am so pumped for this challenge because I organized it and because I have my sister in it.  I believe that the key to sticking to your goals is having some accountability and what better to have family and friends keeping you motivated.  Last time, I wasn't able to reach the 4% goal and I did get distracted with vacation and other things but this time I am going to keep up with my goals and I invite you all to keep me in check.  Let's have some fun.