2016 was an exciting year. It marked my first full year out of college, Mrs. VOF’s graduation from nursing school, and was the first year that we actually buckled down and got serious about budgeting and saving money.
When you think of money, what is the first thing that comes to mind? For me it’s budgeting.
For years I struggled with setting up a budget that would actually help me save money. It got so bad that at one time in my life I didn’t even want to log into my bank account to see how much money was there. I had tried everything from custom-made spreadsheets to Mint.