Hi Everyone!!!! I have been registered on Budget 101 for a while and just haven't had the chance to post. My name is Laurie and I am a mom of 4 boys. Ages 19, 16, 13, and 9. I have been happily married for 21 years. I have made bad choices with money from refinancing my house and rolling $60,000 of credit card debt into it and then charging those cards up again only to file debt settlement instead of bankruptcy. I am trying to make a change and I need help. I don't know how to even begin to budget, but I figure better late than never right? I look forward to getting to know everyone here and learning from everyone.