Hello All! It's so nice and encouraging to still see so many familiar 'faces' even though ive been MIA for years! I just wanted to post that I have made it my new years resolution to get back on track financially. So much has changed in my life in the past few years its like whip lash! But a recurring theme has been that I have no idea where my money is going. I pay bills as I can but we still spend too much. I bought myself a calendar and I'm going to put all of my bills and when they are due in it so I can start to see a picture of what we spend each month. My life is about to change in a major way as I have my 4 th boy in early march. This is very intimidating as this was a birth control failure baby! I never wanted 4 kids but here I am. I'm tired and overwhelmed. I quit working most of my jobs so we livenon DH's salary alone but we majorly downgraded our life. Anyway, ive got to get serious about my finances and stop piddling around like an idiot! I have 4 kids!