and I am pretty optimistic about it. I really think this is the year that I get control over my finances and start making some progress.

I see some of the progress already. I have been sticking to my budget for the last 2 pay periods and I just calculated everything and came out with $176.96 left over from last pay period. Might not seem like a lot to some but prior to starting here I rarely had anything left over.

So, I just divided this amount by 3 and made an additional payment to one of my store credit cards. This is something I never would have done in the past. I would have said "oh extra money for me to spend!" But I just completed the transaction on-line and off it went. I also took 1/3 and transferred it to my FNBO savings account in addition to the amount I normally contribute. So, I am a few steps ahead this month...yeah me!!!

I think 2008 is going to be a good year for me We don't have anything really planned for the weekend so as long as I can stay away from the mall I should be OK without spending any money. I am going to devote sometime to cleaning the kids rooms and perhaps finding some stuff to sell on ebay. I have had some look on there before but have gotten away from it. I doubt this is a great time to be selling but I'll see what I can do.

Everyone have a safe and happy New Years Eve!