Dear Tulip,
Wow, you are doing so wonderfully with your finances...you are really getting it! Did you really budget and fund all your bills and expenses THROUGH APRIL already?? Funding and budgeting two months ahead is AWESOME! And saving for all those rainy day categories really makes life easier. Ahhhh...

Congratulations, and enjoy those Arkel panniers--you deserve them (and you saved for them and budgeted for them!). Oh, and that upcoming bike vacation--all saved for and budgeted, too. Have fun and congratulations, again!

-Tulip