I’ve got Quicken set up with preliminary budget data. I’m going to have to adjust it as I go along, because A) the way the spending is set right now, I’d only have $20 left over each month and B) as I get more history in the system, I should be better able to predict future expenses.

I really hate the way it feels to be out of money at the end of each paycycle. I hate that more than I hate the tedium of tracking stuff and maintaining the data. My “towards” goal is the sense of peace I will feel when I truly know what I have & what I can spend, while still being able to get myself out of credit card debt.