I have a confession to make. My finances are a mess! About two years ago, I signed up for an account with www.mint.com. I created a budget, entered all of my accounts into the program, and tracked my spending. The website will send you an e-mail notice every time that you go over budget in a particular area. At first I did really well. Since then, I have lost several bonuses that I used to receive at work, and have started getting the notices that I am over budget in nearly every area, every month. So, I confess, I just started ignoring them altogether! And now it is time to pay the piper! So, I am trying to decide whether to start all over again with a budget and the mint website, or what. I have some friends who swear by the Dave Ramsey envelope system, but I am afraid that I will put my money in envelopes, and then spend it all anyway. Maybe I should just try the Saturday Night Live plan. What do you think?