Thanks a bunch Ishtar! One BP helping another. Grin. The world still is a good place. Grin. I hear ya on the depressions increasing and the hypos decreasing . . . that would STINK. So far, I have about a 60% hypo, 20% depression, and 20% normal. I hope I can keep those type ratios. However, I hear its typically gets worse as one ages. Stink. I'll be 49 in May. http://www.youneedabudget.com/ There's a bunch of worksheets here: http://www.gailvazoxlade.com/resources.html http://www.nfcc.org/financialeducation/monthlyincome.cfm That should get you started. But the simplest is a small notebook. Write down the date, place, category of purchase and amount every.single.time. you buy something or pay a bill. Ishtar
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