I am mostly blogging this so I can have the first spot on the blog for more than 5 minutes (back off Arta).
With a desire to be better about my finances this year, I went out on the web looking for 7 habits to financial responsibility (I knew there had to be somethign out there). Here's what I found:
My first step?
Write down every penny I spend in the little day book I got from Eric Jarvis as a Christmas gift.
Begin with the end in mind -- make some realistic acheiveable goals.
Here's some thoughts on that one: The end? No credit card debt and savings account with actual money in it.
1. pay off credit cards
2. generate an "unplanned expenses" savings account with $2000 -- use this instead of credit card when unexpected expenses highjack me.
3. start a "holiday" account to save up for the summer -- use this intead of credit card to pay for holidays.
What will the rest of you be doing?