So here I am, a 34 year old child just now beginning to focus on my finances. This blog is mainly my way to hold myself accountable, but also hopefully can help someone else who is trying to start this journey, or at least share some ideas. For the past ten years, I have made poor decision after poor decision, and am now digging myself out of a hole that I can only blame myself for.

My first step has been starting a budget (mint.com), and almost a month into it, it is nice to see where my money has been going. Now it is all about cutting spending and starting an emergency fund. My goal is to get $6,000 saved in next 12 months. I will post about each day's struggles as well as a weekly update about where I sit savings wise. I would love any followers, or advice I can get.

Laurence