Wow, I’m impressed with how helpful everyone is with Shannon’s predicament. I am tired of worrying about money all by myself. I pay all the bills. My DH doesn’t really know all the bills we have. I have ordered the FPU kit and have talked to hubby about getting our finances straight. He is willing to look into it, thank God! I can’ t wait to get started. I have been extremely lazy, not paying bills on time, especially if it was going to leave us slim on funds til the next paycheck. I am also terrible about instant gratification, I buy what I want…even if it’s just a cd or a scrapbook paper.