That’s not in the budget

We’ve been married 16 years. Seems like a lifetime, but in the same breath, time has flown.

It’s never been easy. There have been good times and bad. Fortunately for us, the good far, FAR outweigh the bad.

The majority of our troubles have been self-induced, I feel. They also happen to be financial.

Despite half-hearted attempts at making budgets, we’ve never adhered to them. We’ve never USED them. We’ve kept ourselves in this poor financial state.

We’ve begun listening to Dave Ramsey and both believe he has a great plan that will get us out of debt.

The first thing we have to do is get on a budget. AACK!!!

I searched the internet and found a great site, www.youneedabudget.com. It has a program for budgeting. I bought it.

I’ve begun using it, but not really as a budgeting tool, more as an expense tracking tool. It’s a start.

We will get out of debt!