Count me in for this forum, I am bound to have lots of questions. I have not really come to terms with the whole big R thing yet. Am thrilled but then really worried about the whole budgeting thing. I struggled all my life to make ends meet until I became a teacher in my mid-thirties (and being a single-parent). The joy of my salary as the years rolled on was that I could shop without worrying too much. Don't get me wrong, I didn't see myself being able to spend, spend, spend, but the money was good and I didn't have to save every penny to pay my bills etc. The thought of having to be super careful yet again really is making me anxious. I know what I am like when I have to scrimp, I become miserable and depressed. I have learnt that money doesn't make you happy but worrying about not having enough surely does make you unhappy.