For years, I've dreaded my car insurance payments. The reason was that, for a lot of that time, there's been at least a few points on it from my (admittedly kind of rough) driving record. Well, the last of those points have fallen off over the summer, and my payment dropped by almost $300 as a result of it. Needless to say, I'm a very happy person today :-)
Now, the challenge is to keep it in this state. The only thing left on there is an accident that wasn't my fault, so it doesn't affect it anyway.