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Your original thread title was 'Income < Outgo' ...
First, BTDT. It is no simpler than 'I either need to spend less, or make more'.
I had to decide - do I want to cut back and not have/do the things I want or do I work harder/smarter to make more money. I chose the latter. You are agonizing over ways to save $100. but you(or especially hubby) could probably find a way to make an extra $100. a month. Some overtime at the current job, or helping out a friend who works on nights or weekends. (You will have to get creative).
I don't want this to sound all preachy but you guys need to decide how it's going to be. Are you going to struggle forever or are you going to try harder to make more and make a better life. It is not easy. Not by any means. The decision will not come without a lot of soul searching. Pride goeth before the fall. It kind of sounds counter-intuitive but the harder you work the easier things will be.
I mean this sincerely, Good Luck, and I wish you well.
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I am just a simple man trying to make my way in the universe...
"Go confidently in the direction of your dreams. Live the life you have imagined." - Thoreau
"Nothing great was ever accomplished without enthusiasm" - Emerson
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