Baby emergency fund - check
zero budget - check
envelopes - check
advice from everyone at savingadvice.com - check
still disagreeing SO - check...

So Feb 1st - the day I'm hoping to start flipping thing around. I finally got sick and tired of being sick and tired about worrying about money - ALL OF THE TIME.

I don't have alot of debt compared to my income - but life is just so dis-organized I just can't get it all together. So after about 6 months of reading/listening to Dave Ramsey, and 2 months of reading savingadvice.com forums... I'm taking the plunge.

I am now in the countdown to kick off my trip to financial freedom!