The last few months have both sped by and at other times felt like a very, very slow crawl. We’ve gotten less sleep than we did during Sally and Winnie’s newborn days. And we’ve wondered more than a few times if we have any idea what we’re doing. It’s been…

Budgeting is simple, easy, basic, and basically a cinch. All you do is track your spending and spend within a set of pre-determined parameters set up by YOU. Easy peasy. Okay, okay… so not so much. From the outside, budgeting seems like the easiest, most simple thing in the world.…