Tiny success: at the beginning of 2016, I got serious about budgeting. I’ve never made enough money to do more than scrape by, so even examining the problem seemed hopeless. But with a little help from a smart sister and her smart husband, I made a budget, paid off my credit card, and shifted the extra few $ I was paying on my lower-interest-rate loans toward the higher-rate loans. Makes very little difference now, but I’ll end up paying less interest in the long (very long) run. I’ve even stashed a little in savings. $20-$40/month isn’t going to add up very fast, but it’s more than I saved in the previous five years!