You're welcome! :D I hope it works out for you! I've never really used Smartypig for goal-oriented type of stuff, but they seem really set up to appeal for that: you HAVE to have an automatic deduction happening, and you can also drop in money whenever you want, and others can also donate toward your goals if you make it public, which would be good to link family to for gift-giving stuffs. And really, esp. if you take out an Amazon gift certificate? You really can't beat the interest rate.