Well, after getting hit with numerous bank charges last week our checking account is now back in the black. Talk about getting kicked while your down. Every time I'd get money to put in my account they would throw another charge on there. OUCH!!!!

Lesson: I tend to be all or nothing with everything. Losing weight, tithing, our finances. I have to stay committed to looking at this money stuff every day. Without ceasing. Also, I learned that when our finances out out of control, I grab at anything else to try to gain control of something. My house, Frank..... anything. I just need a sense of I have something under control.

Here's what I've done on our budget. I made a calendar for every month of when all bills are due and what comes out automatically. This helps so much. I've also been making lists of what we can pay and what will be the most sensible to wait until we get things under control. As, I've learned from Jill and Dave Ramsey: "take care of the four walls around you first."

So, we had a set back. It doesn't have to keep us down. We're back on the trail.