Starting 2008

Well, here we are at the start of a brand new year.Starting over with our finances. We have made some real screw-ups this past month even , with having to end up paying 3 overdrawn fees.I believe some of it was the bank's fault , but we paid the price. Now , we have a new chance , a new year. The Bible says , that God's mercies are new every morning. I'm sure glad they are or I'd be in trouble.Here is where we are now. We have No credit cards and never have. We have some old bills that need to be paid and just have to get everything in balance and wrote down. Writing stuff down seems to be our main trouble. It hasn't gotten done several times.Our income is $653 every 2 weeks for a family of 3. We have rent $375, electric$93 on budget plan, water/sewer $40, trash $16, hospital #1 $80, Dr. # $100,storage shed $35, phone $11.77, phone long distance $15, food $200,car insurance $45 ,gasoline $150,my medicines right now-$40, Dr. visits co-pay $40 , laundry $50 and I'll post the rest later. I have to revise this and do some figuring out to make this work. Till later. God bless.