Starting off

       Where to begin? This year marks the beginning of a journey that I have been toying with for a long time. The purpose of this blog is a place to document my ideas, thoughts, successes and failures... everything that comes a long with the goals of this year.
       You see, for the last several years, my DH and I have been struggling financially. We have never been the best stewards of our money. A few months ago, it all hit the fan after several unexpected car and home repairs maxed out our credit cards and we were left with literally no way to pay our bills, buy groceries, put gas in our cars, etc., etc., etc. That was the major push that we needed to get our act together. That is sparked the birth of 2014, The Year Of NO!
       Sounds scary, right? It is. We decided together that this year would be NO vacation, NO extra spending, NO more charging anything to our credit card. Absolutely NO way we will end 2014 in the same financial state that we entered it.
       I am tired of living paycheck to paycheck. I am tired of having no say on where our income goes. I am tired of being a slave to debt. SO tired. It is time for a major change and I am SO ready. We spent January catching up on late bills the best that we could. With our tax return we will finish catching up and then it is go time.
      The thermostat is lowered to save on propane. Cash envelopes are waiting to be filled. Our garden plot is picked out and I am reading up on the best ways to preserve all types of produce. New year, new way of life.