I have been very stressed out lately about my finances and how I’m going to be able to pay off all of my debt from college and from my credit cards. I decided to start researching online ways to live within my means and work at not spending money before it even hits my bank account. Teaching yourself how to manage money better is no easy accomplishment, but if I don’t start the new year off by pulling in my purse strings a little bit, there may be a real possibility I will have to look into personal bankruptcy some time this year. I don’t want to go through my year like that, and I certainly don’t want to spend any more time worrying about how to pay my bills. The thing that I spend the most money on every week is food, which would be okay if it weren’t for the fact that I eat a great deal of my meals from take-out and delivery. Not only is this unhealthy, it’s also very expensive. I’ve decided to make my lunch from now on instead of wasting my money, which won’t bother me much since I’m sick and tired of all the restaurants I usually order from anyways.