FORGET THAT PLAN!!!

Gee, my very first plan is the wrong one!!!! Well at least partially.

I have scoured the net all day trying to find some software that I can understand, is not expensive and will actually help me in my budgeting attempts.

I found "You need a budget" and downloaded their software. I haven't even used the software yet, but the instructions that come with it are priceless.

So my amended plan is this! Forget compiling my debt list - at least for the moment- and work really hard at these 2 things.

1) Saving one months salary so that I no longer need to live paycheck to paycheck.
2) Start recording all spending in YNAB Pro.

Spending Journal

According to this link, a spending journal is a necessity (thats the part I hate). They recommend a 2 week journal. So today (and probably this week) I will spend my time scouring through receipts and credit card statements and past bills to try and compile a picture of where our money goes.