So I have set up my 2014 Workbook And then within these sheets, I have a section to track my income including what day I get paid And then I track my expenses including what date they were paid/scheduled for payment And then I will track how much I spend on groceries and any other purchases that I make. So this is a look into my budget. My overall main goal for 2014, specifically with finances, is to pay off my credit cards. As you can see, I have 3 that I opened up during college thinking that I would get them paid off when I got a real job. This past year, I was making equal payments on each of them and that reallllly didn’t do anything. And after talking to some people who know finances better than me, I will concentrate on paying one card completely off and just making minimum payments on the others. And pay them off one by one and get rid of this stupid debt. I’d like to end 2014 with only have my student loans as my debt.