I sat down, listed all our expenses, figured out our estimated income and came close to a few tears when I saw that we weren't going to break even, and that was before we paid anyone for all of Kaylee's medical expenses.
I'm a firm believer that if you're smart with your money, you can make things work, and no matter how life gets, it seems like we'll never go without the essentials.
Right now, things are about as tight as they've ever been, and figuring out how to make things balance was nothing short of a monumental task, but I think we've managed to do it.
It started with a few cuts.
The home phone had to go.
Our monthly pest control had to go (and I'm just crossing my fingers that the cold weather keeps the nasty bugs out in the meantime!).
We downgraded to the lowest DirecTV package. And with it went CMT, GAC, TLC and Discovery Health...waaahhh!
The membership to the gym had to go.
The grocery budget is also a slim $150, but we already have enough food for dinner for the entire month (more on that Wednesday).
The allowance for eating out and "fun" stuff is at a big fat zero.
And, we're in the process of working with www.naca.com to try and negotiate a lower monthly rate on our mortgage.
We're down to just the essentials, folks, but we're going to break even, and if Craigslist is good to us and the lovely locals want to buy some of our unused crap, we might even be able to put some money in savings or pay extra toward the medical bills.
Times are tough for ALL of us. What have you had to cut back on, and what are you doing to save money?