A New Year A New Plan

So I've decided that "my word" for 2014 is going to be PRESENT. I need to start being present in all that I am doing and this totally applies to our finances-I can no longer be in denial about what's going on and have no idea what bills are due when....it's just not working-I mean who would think it would. But this is a big step for me. I am hoping that next year this time we will be starting a new year on a completely different financial note. I've started by getting all of our insurance info together to go meet with a new insurance agent down the street to see if we can get a better deal. We don't qualify for a refinance on our mortgage but I figure if we can do small things like this to lower our rates it will help. I'm going to try to do everything little thing I can.