A New Year and a Fresh Start!

As we stand on the last day of 2009 and peer ahead to 2010, there is hope and expectancy. What will 2010 bring? I want to wish you a very happy new year, and I also want to encourage to seize the year. Why not start this blank fresh start with a plan? A spending plan. Not a budget, that sounds like diet. But a plan for how you and your household are going to spend your money. You get to decide. Not planning means life happens to you and so much trickles through the cracks. What if you planned to save $100/month until you had $1000 in the bank for emergencies? Then when your tire blew, your hot water tank went, or you got an unexpected expense, you'd be OK. You wouldn't have to charge it and give the credit card companies all your hard earned cash. Spending planning, like menu planning, saves you money. What if 2010 was the year you purposed to get out of debt? I wonder what things would be like if we all were able to live within(or below)or means?? Would there be more peace?more love?more joy?