I've been away from this forum for a long time! When I finally did log on tonight, the concept of the $20 challenge interested me right from the start. I'm not sure what the rules are, or if there are any rules for that matter. So, I'll do what works for me and go from there.

So far I have - you guessed it - $20 to start with. My goal will be to keep the original $20 intact, and use all profits to pay towards a specific bill at the end of each month. Make sense? We'll figure it out together in the year to come...

OK - (rolls up sleeves) off we go!