My thoughts on money are increasingly focused on the big change in my life that's coming.

In almost exactly one month, I'll no longer have a salary coming in, and I'll be spending more than I currently make. Yes, I am going back to school!

First things first: This week, I'll put together a budget for the year on a monthly schedule, including everything -- phone and utility bills, nights out with my fellow grad students, interview clothes, food, etc. I'll start big and cut it later as much as I can.

I'm also going to put together a separate moving budget, including all the things that I think I need to buy for the new place, transport costs, and pizza for everyone who's helping me move! Again, I'll cast a wide net and then take out things that later seem unnecessary.

Next, I have to learn to stick with my budgets! This is probably the most difficult part, but good for you, readers, because it will elicit many more posts!