I'm finally jumping in...

[Giro]

I've been following the forum and reading MMM off and on for a few years now and I'm finally taking the plunge.

I'm a little old...40.  I'm a little frugal, but need help and accountability to reign it in.

I'm more focused than ever.  I'm more determined to succeed than ever.  I have more money than ever.  SO, this is my year to really batten down the hatches and get my crap together.

My goal is full retirement in five years.

[Giro]

So, here's a little about my situation.  My husband and I just got a married a couple of years ago.  We maintain separate finances and will continue with that because it's working quite well.  I have three kids (twins are in college and a 9 year old). My budget needs slimmed down by A LOT.  I'm pretty sick over how inflated my costs are right now.  I'm working on it.  I do obsess a bit over money and finances.  It appears that I spend a LOT of money on my kids. 

My current budget is $3000 per month.  I know.  It's VERY high.  My goal is to knock this down by $500 a month.  My strategy right now, is to dump all of my extra money into my personal investment account.  Just basic Vanguard funds with 60/30/10 split.  I may diversify a bit when I have a little more money to invest.  More bonds for less risk since I will need these funds rather soon.

I'm going to continue reading the forum for tips and advice.  Any advice anyone has for me, please feel free.  I have thick skin, so no worries there.

[dandarc]

Welcome - sounds like you're looking for a reader case study in the "Ask a Mustachian" thread.  Need more details to give concrete suggestions.

Also the journals are great for a longer-term discussion / accountability tool.

[Giro]

ok great.  I will head over there.