I DO care about my finances...

I'm on my way....
Tonight I did a big step and that was to dig up my old online banking info and get back into caring about my finances.
It's what I need to do to move forward. And as careful as I try to be with cutbacks that effected only me - i.e. my daily coffee, lunch options and clothes shopping. I have been frivolous with going out to eat socially - weekend options and so forth. so now's the big reality check. get with it jo. no one is going to do it for you. sure I have my retirement always in mind - 403b (check!), 401K (check!), IRA - sure! it's the liquid assets and careful financial planning that I need to make this happen for me...