Starting out

[Guest]

Hi everyone,
Been a lurker sort of on the list. For the last 30 days I used
Microsoft Money to track my expenses and I’m just shocked. We are so
terrible with money. We shop at impulse, we bounce checks when we get
the urge to shop so then we have bank fees. We have horrid credit and a
bankruptcy and still getting bad things on there even after the
bankruptcy cause we just hate to be responsible. I need to seriously get
on a budget and start getting better with money but I have no idea where
to start. Any suggestions?

Julie

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