If you know me, and you may know me, You know that I have a complicated relationship with money.  Why aren't I rich already?  And why are so many people so much richer than ME? And conversely why are so many people ‘struggling’ with finances’ in what seems to be one of the wealthiest lands in the world.  With so many resources here in the United States how are we in the land of plenty with so much personal debt? I have had a banner year, but it didn't start out that way. Here are 5 things that I have changed in my finances to end the big 2018 with some checks on the WIN column.

Decided to pay off some debts
Determined to reward myself
Write everything down
I calculate the count down 
Saving by reducing waste - starting with my lunch money and incidentals 

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