I’ve been sharing that Matt and I have some credit card debt that we want to actively pay down. As part of that, we have been trying to religiously use Mint.com. I’ve heard great things about You Need a Budget as well, but we are already all set up with Mint.com, so we are sticking with it and trying to maximize our experience with it. 

One of the annoying things about Mint.com is that it won’t let you delete the budget categories that you aren’t using. When it automatically assigns expenditures to categories, it frequently assigns them to categories that we aren’t even using in our budget. When that happens,

Oy. Matt and I have quite a bit of credit card debt at the moment. It’s been a year of spending beyond our means: first it was expensive doctors appointments (not covered by insurance) related to Henry and Tate’s genetic issues with not processing folic acid. Then it was deciding to plan a once-in-a-lifetime trip to Australia. Then it was deciding that we had to replace the temporary wood railings that were crumbling on our front and back decks (we had had them for four years) and deciding that we should install a shade sail at the same time in order to make our back deck more usable. And then