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 ,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.