When I booked my ticket for New York back in October, I knew January would be frosty. What I didn’t know was that I’d be present during their coldest period in over 100-years with a record-breaking day of 4-degrees Fahrenheit. All I can say is brrr…..

Track, compare, revise, repeat. Track, compare, revise, repeat.

This seems to be my monthly mantra when it comes to budgeting. I think I fair pretty well staying on-track for the most part, but there’s always room for improvement!