It’s the 4th Monday of 2024- How did that happen?! By this point in the year, I’m feeling like I have a better grip on my routine, my planners, and my budget. I’m less distracted by the “new year, new me” buzz and more focused on what’s ahead.

A big focus of mine for this new year is my budget. While I’ve given my budget regular attention in the last several years, 2023 felt a little messy- I bought a house, which changed everything. I switched budget planners halfway through the year, and while I...