My experience was awful. When I logged my expenses in the month of October of this year, I was totally shocked. When I found out that I spent approximately $1,100 on food and $300 on going out to eat, I just about died. I discussed this with my husband and we had to do something. So after seeing this in writing, I am keeping a close eye on what I spend. You don’t realize how much you spend till you see it in black and white. I will not stop living but I am going to watch everything we do. I want a future where I don’t have to worry about every dime and then the dime I don’t have. Reading these books has helped me. I do admit it sounds hard to save (pay yourself first) but I am going to give it 125% of what I’ve got. This is my new year’s gift to my family. I am sharing this with my 16 year old and my 22 year old. I am going to teach them all I know so that they will have an easier time. Sometimes I feel it’s too late. But better late then never!