My Dear Husband finished Your Money or Your Life today. We will begin the program tomorrow.

The first step is to figure out all the money that you've made so far. It's not as difficult as it may seem, since you can go to the Social Security website and request this information.

Of course it doesn't include any money you didn't report, such as; Baby-sitting, Yard Work, Cash, etc...

We've already got our Social Security statements and will be racking our brain for other income.

You must also add up all your assets. Cars, Furniture, Jewlery, etc....

And the last part of Step One is to add up all your debt. Car Payments, Student Loans, Mortgage, etc....

Should be an eye opening experience that we're eager to do.

So the frugal thought for today: Go through all your items and do a household inventory. After doing this check your insurance rates to see if you have too much insurance or not enough.

You may be able to lower your insurance payments if you have too much.