I am really hoping that this is the last year for a while in which I will be as poor as I currently am. As you all know, this is year FIVE with no raise. My disposable income has, for all intents and purposes, been inflated out of existence. Gasoline is ramping up to $4/gallon again and could reach $6/gallon by summer. Groceries get more expensive every week. The property tax just keeps going up and up and up. My car insurance went up and I haven't had a claim in four years. The union sues increased. Tolls have increased. My pay, however, has not increased I really am worried about getting through 2012. As of 1/19/2013, I get promoted to Senior Agent, thanks to my prior service credit. Doug's car is also paid off in 2013. I just hope we can hang on to the house through 2012. We also keep getting persecuted by the Baltimore Housing Authority for trivial things that the straight, white Christians on the block don't have to deal with. On Monday, I get to find out what brand new demand the City wants. I really want to move out, but I don't know if we can sell the house in this wretched economy.