Hi friends! I am Nikki Rae and I have managed to bumble my way through my 32 years here on Earth without a budget. It's time to fix that! This year I am getting my life in order, starting with my finances. Join me on my journey and let's build habits to make a better life! I am not now nor have I ever been a financial advisor. I am just sharing my anecdotal experiences in my personal budgeting journey.