Microfinance is the extension of small loans to people too poor to qualify for traditional bank loans. These very small loans allow the poor to develop their various businesses and trades. As a result people have the chance to bring themselves out of poverty.

Obstacles: Apathy, laziness and forgetfulness

Goal Date: 2/1/2010 Percent Complete: 25%

I promise to purchase memberships in environmental groups for friends and family as birthday gifts

Obstacles: Can't think of one!

Goal Date: 9/1/2008 Percent Complete: 10%