You have until January 7th to update final numbers from 2010's Emergency Fund Booster Challenge. Any contributions made to your EF in 2010 must be posted BEFORE 1/7 to ensure they are accepted. Once I post my own final update on 1/7, I'll start doing the math, and then you'll be TOO LATE.

Likewise for the 2010 Debt Reduction Challenge, you have until 1/15 to post payments made in 2010. The longer window has been allowed to give time for processing - but you must have at least MADE the payment in 2010 to count even if it didn't post until 2011.