[timetosave]

Hi Lux. Nope, I never made it past Brownies either...

I will start 'putting back' for the music...that makes sense...if I put away $5.00 each payday I am sure to have the money next time (and there will be a next time) I have to start putting away money for ski lessons (400.00 by the end of October) so that would be 100.00 each payday...there is no way...OMG...every time I think I am getting a handle on this something else comes up...I need to make more money...I have to concentrate on getting more money in my pocket...the planning ahead will really help for next year but right now I'm playing catch up...there simply has to be a way to get a loan...

breath...in and out...in and out...cleaning always helps me think through this stuff...I have to go and clean now...