Welcome to our group, Anne. It's never too late to begin thinking about 'cutting back' on our spending or to be more 'aware' of what we spend as well as use/ don't use kind of thing.
Everything you need is in the first couple of posts. If any of us can answer questions, just post. Most of the girls who are regulars are also veterans to the group and have wonderful tips.
Challenges: Stamp 2 Spend -$606.50 AOCC