A new year is always a time of starting over. For myself, never more so than 2013.
Not only am I starting over as a parent (of a boy, yet! The whole point of adoption was to insure that I had only girls). But I feel like I'm starting over financially as well.
I have no one to blame but myself.
At some point near Christmas, I simply threw the budget away and hauled out the credit cards from the ice tray in the back of the refrigerator. Hmm--maybe Dave Ramsey is on to something when he tells us to cut the darn things up!
I paid for a number of things including transportation and hotels so my grandson could be surrounded by his half-siblings at Christmas. I overspent on the clothes and toys, perhaps to make up to him all the things that were going wrong in his life. And then, to reassure my adult daughters that they had not been replaced, I overspent on them, too.
All in all, not a good financial ending to the year.
So I am now surveying the financial damage, and struggling to get back on track.
2013 promises to be an interesting year. Stay tuned.