Starting out

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      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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      JulieMahooley.

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