No overdrafts!

I’ve made it almost a year. Hope I keep going strong.

Today is March 9th 2008, and there have been no ODs the year!

I will log how many I actually DO have (try to have none of course), in order to have a starting point for 2009. If I can have fewer every year, I should eventually get to zero!
It will be helpful that my hubby and I are now communicating about the money better, but there are still often times when neither of us knows just how much money we really DO have at any given time!

I KNOW I can do this!!!

Here we are at the very end of the year and I can’t even seem to get through without messing up! It seems this time of the year is the hardest financially. Why can’t I just not spend money I don’t have?

I might survive the last month. I didn’t count how many ODs I had this year. So I didn’t really do this goal right at all. I’ll do it differently next year.

I might be able to accomplish this!

I think I already bounced at least once already, so I should rephrase this to say bounce no more this year!!! Or how about ever!!!
KM