Get finances in order

I’m not in money trouble as of yet but I’m fairly loose with it. I’m never going to be one of those extreme tightwads and I accept that but I’m going to dedicate myself to tracking my income and expenditures and trying to make sure they’re on things that I want them to be.

I’ve created a spreadsheet that kept track of my bank account and even sorted expenditures by category and month. I’m going to go back and put in a credit card addition (I’m using that instead of my bank card and I’m going to pay off the balance each month so I can get some extra rewards).

Mostly, I’m afraid of my mounting debt from school loans. I made a mistake and took out more than I needed so I’m going to try and gather interest on that and keep myself with as little to pay off once I graduate as possible.

well, because while m and i are decently frugal with our money, we aren’t particularly organized. or future oriented. but recently we’ve realized that our dream of owning a home is possible in the next few years – but only if we take control of our finances. so i’m taking steps, as outlined in some other goals.

My finance tend to cause alot of trouble. Even though we are virtually out of debt, late payments and bad bookkeeping keep causing friction. I need to pay those simple bills, like electricity and cable, in more timely fashion. A really simple thing to do, I know. But, I just have trouble with procrastinating with them.