You Can't Sparkle on a Credit Card

I am just going to say it...I live beyond my means.

 For most of my adult life, I have indulged my wants with easy credit.

 Consequently, I have also payed for many a need with a credit card too.

I have lovely things.

None of my things help me go back to sleep when I wake up in the middle of the night worrying about which bill I have to pay and which one can wait.

I started to make a change this year but old habits die hard.

I am ready.

I am starting with a budget

and help.

YNAB