Budgets and Bills . . .

With the help of an account on Mint.com I was finally able to look at our spending patterns habits.   Oh Boy, have we developed some bad habits in the last twenty or so years of not really keeping up with the cash flow.  After tracking our spending for 3 months, I was able to develop a budget.  A realistic budget that we can actually use and stick to.

Speaking of paying of debt--two more credit cards are paid off.  YAY!!!!!!  Three more of those evil, nasty things to go!

I've also created a Bill Binder with a calendar, check register, stamps, pens, etc.  All the things I need to pay bills.  Until we get a better handle on our debt, I pay bills every week (because we get a paycheck every week).  My plan is to cut that down to paying bills on the 5th and 25th.

Things are looking good for the Year of the Goals.  I just have to stay focused and we'll have this debt issue taken care of well before our nest is empty.