[cheapdoggy]

Well effective last Jan 1st we started setting up a budget. We got tired of just chasing our tails and really accomplishing NOTHING!!! My Quicken 2007 stinks as far as that is concerned. I don't need to track how much I paid in property taxes in my budget it should be classed under housing and it would pull sales tax out of my grocery category..no need for that. So I started a YNAB budget and hope to totally implement it Mar 1. Meanwhile we've gotten a $1k emergency fund that's accessable (but not too accessable if you know what I mean).We've also consolidated most CC debt onto a low rate card and have paid off all the little cards and closed them.strictly for the momentum thing with the small victories
It's is real hard to break habits that I've had for years...buying lunch out (Mcdonalds every day is over $100 a month),renting movies from Blockbuster,getting that pizza delivered and basically buying JUNK we really don't need
There are a lot of great ideas here and I'm hoping for more..