I hate to be the negative Nellie, but it seems like anyone who has trouble saving $1,300 in a year is going to have even more trouble coughing up $200/month in those later months. Direct depositing $50/paycheck into an account I don't have easy access to would be much easier for me...and is actually something I used to do in the past.
Quote:
When are women going to face the fact that they donít know their own bodies as well as men who have heard things?

Don Langrick
Bonsai Culturist