Susan's amazing budget

by Susan Ricketts
(St. Louis Park, MN USA)

At age 52, I bought my first home. I have never used a budget system before until I needed to find out if I could afford a house. I would like to continue to be more responsible with my money. I currently do not add to my savings, contribute to my retirement or have an adequate emergency fund. I do have a plan to pay off my credit card debt.