now the budget

I am thinking of ordering some budgeting software online to help keep track of our spending. We definetly have more going out than coming in each month and I am REALLY sick of paying all this interest on credit cards, loans and lines of credit. Christmas time always brings this out in me.

Hubby & I had a big talk last night about money. I pay all the bills and keep track of everything but frankly I suck at it and he thinks he does too so he won't do it. I really don't want to live paycheck to paycheck. We are not living extravagently by any means but the day to day spending on things like take-out, coffee, smokes and booze (for him), magazines, movies and trips to the variety store, really add up.

We need to work out a plan to pay off our debt and start creating some savings. Maybe I should create a debt blog??