This is so cliche but it’s a new year – so things are going to change around here!  By “change around here”, I mean my the way our family spends money, the way we budget (or don’t).  We have 3 little ones, ages 1, 3 and 4.  These little angels were all born in less than three years.  For the first time since they were born I feel like I can finally tackle the family finances.  It HAS been my domain the whole time but to be honest I’ve done a pretty crappy job.  My hope for this blog is to chart our family’s financial move from the RED into the BLACK!!!!