You Can’t Really Manage Money (or Anything Else) Until You Can Manage Yourself

“I need to cut back on everything,” I repeated under my breath.

It was mid-2017, and this phrase was becoming something of a litany for me.  I felt intensely overwhelmed and behind in every area of life — work, parenting, friends, marriage, household management. 

Almost daily I muttered those words to myself, or declared them loudly to my husband. I did so with the conviction that I’d identified the core of my problem: I was doing and buying too much.