Hello. My name is Tracy. I also have been browsing for a couple of months and thought it would be nice to be able to post. I have found the site so helpful. I am married to my husband of 4 yrs Sam and have three children. Dion-12, Abby-9, and Christian-6. I have been a stay at home mom/wife for most of my life and now am getting ready to re-enter the job market. We have overspent on just about everything so I am really looking forward to learning to save some money and get caught up again.