When I started thinking about how to change my financial situation, I decided that it would be great to start living by a budget. Unfortunately, I wasn't exactly sure how I was going to go about doing that, especially since I was severely out of practice. However, I knew that it was necessary, especially since I had a hard time living within my means. This also meant making smart decisions when it came to taking out short term loans and the like. My blog is going to be full of tips relating to things like money services and financial planning.