OK, it’s been quite a while since I made a regular blog post here. The arrival of the new year seems like a good reason to establish a more regular habit, so here goes…

I just completed the setup of YNAB3. I’ve been using the basic version of YNAB (a spreadsheet that can be used in Excel or OpenOffice) for about 18 months. Even though there was a newer YNAB Windows app, I stayed with the basic version because I’ve been primarily using Linux during that time, and the spreadsheet file can be easily used cross-platform. YNAB3 is now cross platform as well since it runs on top of Adobe Air, so I decided to upgrade and take advantage of the extra features.

I’m also hoping it will serve as an impetus for making (and keeping) a commitment to staying with a budget. While I’ve been setting a budget each month, I’ve generally been lousy at keeping within the boundaries of my spending plan. I mean, I haven’t completely sucked – I did finally pay off all my debts except the house last month. But I could have done it sooner if I didn’t habitually over-spend each month in different categories, from groceries to entertainment to the catch-all “misc” category. So I’m striving to become a better steward.

After I get my recent cataract surgery bills finalized with the insurance company and paid in full, I’ll work to build up a solid emergency fund, start saving for a new (used) vehicle purchase in 2-3 years, increase my charitable giving, etc.

Here’s to some discipline in the new year!