I posted an intro thread earlier, but I didn't put it in this subforum, so I thought I'd start over.

My name is Gina. I'm a mom of four, and I work for the US government.

I've always been terrible with money, and as a result it's gotten me into debt, several collection agencies hounding me, it's a mess. But I hope to learn some new habits here.

P.S. If there are members here from other, now defunct, frugal living sites, I used to be justGina.