So it was just about a year ago that I first launched my first forays and attempts into organizing my finances and taking care of all of those things, and now I find that it's necessary to tighten the belt once more--when I'm in a settled routine like the schoolyear, spending is constrained by habit--now that it's summer, it feels like I'm hemmorhaging, but I shouldn't worry so much about retirement, which now seems further off than ever--it's okay to enjoy myself a little more, I think.