I’m pretty good at New Year’s resolutions. I know that not everybody considers them to be useful tools, but I do. I kept three the year I turned fifteen, and have managed to keep several more each year of my adult life. This blog helps fulfill one of my 2008 resolutions: to get my budget and personal finances in hand. To help me be accountable (and to save my long suffering husband from having to hear me blather on), I’ll be blogging SMARTly and, I hope, interestingly.