This year I have decided to take control of my finances. I consolidated my debt and slowly but surely am paying it off. I set some small goal that require money to pay them and have savings automatically deducted from my pay check. I am trying to balance being able to socialize and live in New York while budgeting. I am keeping excel sheets of monthly budgets, spending my income before it arrives so that everything, including paying debts and saving, is alloted for. Thankfully summers in NYC offer freebies of all sorts, including nights at musuems, music and dance lesson in the parks… 4 years ago