Here I am again, trying to implement the annual new year’s resolution of living within a budget. Every year I fail miserably but every year I get back up on that horse and try again.

Last year I purchased “You Need a Budget” (YNAB) and was very ambitious about entering all the data I could for as far back as I could and and drowned under the weight of the volume of the numbers. I could never get caught up to current and so gave up. This year I upgraded to the latest version of YNAB and I am back at it, but now I am only going back to the first of the year so that I have a hope of getting caught up.

We have way more outgoings this year with 2 car payments and a wee little one that we feel compelled to keep surrounded by battery operated plastic toys. Even with that I am hopeful that this is the year we get it under control. Wish us luck, pray for us; we need all the help we can get!