I have been lurking...so to say...for the past couple of weeks, reading everyone's blogs. And I appauld everyone for laying open to the world some of what most consider to be "off limits"...our finances. I know I'm a little off for the New Year, but a year is a year, whenever it starts, so I'm starting today, Jan 27, as my new year. I have a rough idea of what debt I (we) have and I know that I am the one. So, I figure if I'm accountable to someone else besides my family, I'll do a better job of getting my and my family in better shape financial. I'll be 40 this year and I think it's time I grow up and learned to be very responsible.