Ever notice how this time of year sneaks up on you?

So I totally think I am on the ball with things...I am paying things on time, doing what I am supposed to be doing and then I feel like all I do is for craziness because my terrible habits catch up to me...I HAVE TO START SAVING MONEY INSTEAD OF SPENDING IT...I have to start becoming frugal. That is my goal for this year. That is one of two New Years resolutions...the other, to work on my relationship with Christ...He is my rock, I just have to figure out how to lean on Him...not myself.