Thanks to everyone for your comments and your explanations of "no spend days". I think the easiest way for me to track it will be by listing a no spend day when I don't spend any money other than on bills.

I was home alone all day yesterday since TB had to work and go to school last night. Before I started paying attention to fast food spending last week I would have picked something up for my dinner but I just went home and had a sandwich instead. So, no spending yesterday!

By the way, if you're wondering what TB stands for, it is Teddy Bear. I am an active member of a message board for the town I live in and have a lot of friends on there. One day there was a topic about toys you had as a kid. Well, I told them that my husband had a teddy bear (still has it) and it was his favorite, blah, blah. Well, he was also playing on the message board's softball team at the time (had to skip it this season because of school demands) and when he went up to bat everybody in the stands started calling him Teddy Bear. Needless to say he was a tad embarrassed but he went with it and now everybody on the message board pretty much calls him TB. BTW, his real name is Durl and my real name is Elisha even though a lot of people call me Elly as a nickname. (see you learned something new about me today!)

Tonight is my Financial Peace class. I'm not sure what week we're on but we're over halfway through. This week is about mortgages. I am considering not going because TB is finally going to be home for an evening and I want to spend some time with him. We'll see though. My class starts at 6:15 and I am home by 8:30 so I might just go and let him have a little decompression time.

Also, there is a lady in my class who is the 401(k) administrator for the company she works for and when we had the lesson a few weeks ago about investing I asked her if I could bring my 401(k) stuff up there for her to explain to me. I understand what a mutual fund is but I just don't get the way my company lists everything out for us to choose from. So, I don't know if I am making the right choices when it comes the funds I am in. Hopefully, she can take a quick look at it and tell me about the funds I'm currently in and if they suck or not.

My husband also put about $2,500.00 in an IRA a few years ago when he left his previous employer. Well, it is in a money market account which I have recently learned is a piece of crap...so I need to get that moved to another company or to a mutual fund, at least. I am thinking about contacting one of Dave Ramsey's ELP (Endorsed Local Provider) people in our area to talk to about it. I have a general understanding of what is good and bad but I still definitely need a person to sit down with us and explain exactly where our money is going to and help me choose the funds.

Ok, this entry is getting long but I just wanted to add that, as you know, I am new here but I am really enjoying the blogs and reading about everybody's experiences. It is uplifting and encouraging to see that y'all struggle just like me and for those that are doing better than me, I am happy for you and hope it continues. Last night I was bored and read through a lot of Ima Saver's blog entries and I just have to say, "Wow!". She is such an inspiration to save money and live on less than I make. I am sure others of you are just as inspirational, I just haven't gotten to your archives yet. So, if there are others who you read every day, will you post a comment and tell me what their blog name is? I hope to get settled in with my favorites soon but I was hoping to get a few suggestions.

Also, is there a place where any of y'all have posted pics or anything? I'm interested to see what you look like. Put a face with a blog, you know? I have a myspace page and I might share if anybody cares to see it that is!